Best Medicare Supplement Plans in North Carolina (2026)
By Anthony Orner, Independent Licensed Medicare Insurance Broker, licensed in New Jersey and 34 other states, North Carolina among them
5.0 · 142 Google reviews, all five stars
A 65-year-old in Charlotte pays $101.84 to $315.20 a month for Medigap Plan G, across 29 carriers filing the identical policy (CSG Actuarial filed rates, July 12, 2026). The top filing costs 3.1 times the bottom one and pays the same claims.
The middle is what catches callers out. North Carolina's median Plan G filing is $156.00, roughly 53% above the cheapest one (carrier review data, July 15, 2026). The floor is one carrier. The median is where most of the field sits. Over 20 years the top-to-bottom gap runs to about $51,206, before a single increase lands.
Reviewed September 2026 · Filed-rate snapshot July 12, 2026 · Source: CSG Actuarial · Regulator: North Carolina Department of Insurance
Carriers pay the broker; the price you pay is the same either way.
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What Plan G and Plan N Cost in Charlotte at 65
CSG Actuarial filed rates, snapshot July 12, 2026. Sample profile: ZIP 28202 in Charlotte, female, non-tobacco, individual, no household discount applied. North Carolina carriers file by rating area, so an Asheville or Wilmington ZIP can return a different list.
| Plan | Lowest filed rate | Highest filed rate | Monthly spread | Carriers quoting |
|---|---|---|---|---|
| Plan G | $101.84 | $315.20 | $213.36 | 29 |
| Plan N | $78.54 | $262.00 | $183.46 | 27 |
Plan N opens $23.30 under Plan G here, about $280 a year. From 65 to 69 the top Plan G filing climbs from $315.20 to $341.00, while the cheapest barely moves, $101.84 to $103.87. The full age tables live on the North Carolina rate index and the 65 to 69 pricing page.
Three Things That Decide a North Carolina Medigap Price
The carrier, first
29 companies file Plan G for a 65-year-old in Charlotte, from $101.84 to $315.20. Federal law writes the benefits, not the carrier, so all 29 pay the same claims. What differs is the price and the filing habit behind it.
Your next birthday, second
27 of the 30 carriers in the September 10, 2026 county pull price North Carolina by attained age, 2 community rate it and 1 uses issue age. Attained age moves the premium every birthday, on top of whatever the block files. The top Plan G filing runs $315.20 at 65 and $341.00 at 69.
The 2026 filings, third
28 of those 30 carriers carry a filing effective in 2026. Of the 26 North Carolina rate changes in the CSG Actuarial filing records, 21 raised Plan G by 15% or more. Last year's ranking does not survive a year like that. Ask where a carrier sits today.
Where the Named Carriers Sit Against the North Carolina Median
Five North Carolina companies we have gone through line by line, measured against the $156.00 median filing. Rates, ranks and filings are from our carrier reviews, dated July 15, 2026.
| Carrier | Filed Plan G at 65 | Rank | Against the median | Most recent filing on record |
|---|---|---|---|---|
| Bankers Fidelity (Atlantic Capital Life) | $101.84 | 1 of 29 | -35% | +4.9% · August 1, 2025 |
| Insurance Co of North America (Chubb) | $126.19 | 4 of 29 | -19% | None on record |
| Medico | $128.01 | 5 of 29 | -18% | +18.59% · September 1, 2025 |
| WoodmenLife | $152.66 | 13 of 29 | -2% | +15% · January 15, 2026 |
| Mutual of Omaha | $184.64 | 25 of 29 | +18% | +20% · May 1, 2026 |
Read the last column with the first. Bankers Fidelity (Atlantic Capital Life) holds the floor at $101.84 with one filing behind it. The carrier at rank 25 charges $184.64 for the same policy after four filings in four years. A rate is a number; a filing history is the pattern that produced it.
These five are not the whole field. 29 carriers filed a Plan G rate for this sample, and the ones without a published review still get quoted on every call.
Who Raised North Carolina Plan G for 2026
The largest Plan G increases filed on North Carolina blocks by carriers in our quote table, from the CSG Actuarial filing records covering December 2025 through June 2026.
| Carrier | Effective | Plan G | Plan N |
|---|---|---|---|
| AARP / UnitedHealthcare | June 1, 2026 | +30.67% | — |
| Humana Insurance Company | July 1, 2026 | +30% | — |
| Humana Insurance Company | March 1, 2026 | +25% | — |
| Washington National | June 1, 2026 | +24.43% | — |
| ManhattanLife | March 1, 2026 | +24.02% | — |
| Aetna Health Insurance | June 1, 2026 | +20.01% | — |
26 North Carolina filings show up in those reports, and 21 of them moved Plan G by 15% or more. An effective date can land months after the report that carries it, so a spring report can hold a November change. A filing moves the carrier's whole North Carolina block, not one person's renewal, and it does not depend on any claim you filed.
Every state we track, carrier by carrier, is on the 2026 Medigap rate-increase page. If a letter just landed in your mailbox, that page and one phone call answer the same question.
Holding a North Carolina rate-increase letter?
Bring the new premium. We place it against all 29 filed Plan G rates and say plainly whether moving is worth answering health questions.
Compare Your North Carolina Rate — 855-559-1700County Lines Move the Floor Less Than the Carrier Does
North Carolina files Medigap by rating area. A separate county-level CSG pull dated September 10, 2026 found 73 of them across 100 counties, one quoted ZIP per county. The floor hardly budged. The cheapest filed Plan G at 65 was $114.97 in Alamance County and $131.54 in Yancey County, a gap of $16.57 across the whole state.
Put that $114.97 statewide floor against the other states we publish, floor against floor. Virginia, Texas and Michigan file lower, Virginia lowest at $94.61. The other 6 sit above North Carolina.
What did move is the size of the field. 31 carriers quoted the cheapest county and 31 quoted the dearest one. Your county mostly decides who is allowed to bid for you, and the carrier you pick decides the price.
That pull and the Charlotte snapshot are two different vintages, taken weeks apart by different methods, so their numbers do not line up exactly. Both are CSG Actuarial filed rates. Neither is your quote.
What Each Lettered Plan Still Leaves You to Pay
Plan G's single gap is the $283 Part B deductible. Plan N leaves that same deductible, adds copays of up to $20 for some office visits and up to $50 for an emergency room visit that does not end in admission, and does not cover Part B excess charges. Plan G does cover excess charges. Plans K and L split costs with you until a yearly cap.
| Plan | What it pays | Who buys it |
|---|---|---|
| Plan A | The federal core benefits and nothing above them | Rarely the cheapest way to buy coverage |
| Plan G | Every Original Medicare gap except the Part B deductible | The plan most new enrollees buy |
| Plan N | Plan G, minus excess charges, plus two small copays | A lower premium in trade for office copays |
| Plan K | Half of most cost sharing until a yearly cap is met | A low premium and real exposure in a bad year |
| Plan L | Three quarters of most cost sharing until the cap | Middle ground between Plan K and Plan N |
North Carolina counted 463,867 Medigap policies in the NAIC December 2023 experience exhibit, published by AHIP in May 2025. Plan G held 227,301 of them and Plan N held 30,639. Plan F still held 180,281, about 39% of the state, years after closing to anyone who became eligible for Medicare on or after January 1, 2020. Those are statewide counts by plan letter, not carrier by carrier, and nobody new can buy that Plan F today.
North Carolina Medigap at a Glance (2026)
Pick the question you called about. Each page below answers it from the same filed-rate sources, at the same Charlotte sample profile.
Rate Data
North Carolina Medigap Rate Index
Plan G and Plan N lows, highs and spreads at every sampled age, the household discount, the tobacco tables, and how the $101.84 floor compares with the other 4 states.
Pricing by Age
Pricing for Ages 65 to 69
What the curve does in four years: the top Plan G filing reaches $341.00 by 69 while the floor sits at $103.87.
2026 Filings
Medigap Rate Increases for 2026
Every carrier filing we have, state by state, with effective dates. North Carolina alone accounts for 26 of them.
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We quote the whole North Carolina field at your ZIP, by phone or on a screen share. The carrier pays us and your premium is the same either way.
North Carolina Medigap Questions, Answered From the Filings
Live North Carolina Medigap Rates by ZIP
Type a North Carolina ZIP for filed carrier rates at your age and plan letter. The figures come from CSG Actuarial and refresh daily.
Compare Medicare Supplement Rates
Real carrier rates for your zip code — updated daily
The North Carolina Department of Insurance regulates every Medigap policy sold in the state and runs SHIIP, a counseling line that charges nothing and sells nothing. Use it for a second opinion on anything we tell you.
Where These North Carolina Numbers Come From
- Filed rates from CSG Actuarial, the quoting database a licensed Medigap broker works in, snapshot dated July 12, 2026. Sample ZIP 28202 in Charlotte, female, non-tobacco, individual, no household discount. A man, a tobacco user, or a couple gets different numbers.
- County and rating-area figures come from a separate CSG county pull dated September 10, 2026, quoted one ZIP per county. Two pulls taken weeks apart do not match to the penny, so each is labeled with its own date.
- Carrier ranks, medians and filing histories come from our published carrier reviews, dated July 15, 2026. Ranks move whenever a block files.
- The 2026 increases come from CSG Actuarial filing records for December 2025 through June 2026. A filing applies to a carrier's whole North Carolina block. Effective dates can fall later than the report month.
- One sample is not a quote. Carrier counts move between filing cycles, and Plan G does not cover the $283 Part B deductible in any state.
- Plan F is closed to anyone who became eligible for Medicare on or after January 1, 2020, so there is no Plan F table here.
Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in New Jersey and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage and is not affiliated with Medicare, CMS, or any carrier. Broker compensation is paid by the carrier you enroll with and does not change your premium.
Filed-rate hubs for the other states we publish: New Jersey · Pennsylvania · Ohio · Texas · Florida · Georgia · Virginia · Michigan · Tennessee
Where does your carrier land among 29 North Carolina filings?
Tell us your ZIP, your birth date, and what you pay now. We read the North Carolina Plan G filings back in price order and tell you what the move is actually worth.
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