What Medicare Costs in North Carolina in 2026

By Anthony Orner, Independent Licensed Medicare Insurance Broker (New Jersey and 34 other states)

Filed-rate data as of 2026-07-12 · Source: CSG Actuarial · Sample ZIP 28202, Charlotte · County and filing figures from a separate CSG pull dated September 10, 2026

Carriers pay the broker; the price you pay is the same either way.

What the Plan G Line Does Between 65 and 69

$202.90 is the same figure in Boone and in Fayetteville. The second line is not. 29 carriers filed a Plan G rate for this sample. Each row below holds the cheapest filing at that age, the dearest, and the money between them.

Source: CSG Actuarial filed rates, 2026-07-12. Sample: ZIP 28202 (Charlotte), female, non-tobacco, individual, no household discount. It is a sample, not a quote for you.

Read the table down the columns and the age curve shows up. The cheapest filing moves from $101.84 at 65 to $103.87 at 69. The dearest travels from $315.20 to $341.00 over the same four years, so the gap widens from $213.36 to $237.13. That is what attained-age pricing looks like: 27 of the 30 carriers in the September 10, 2026 county pull raise the premium on each birthday, on top of whatever they file on the block.

Plan N Buys the Premium Down and Sells You Copays

The cheapest filed Plan N at 65 is $78.54, $23.30 under the cheapest Plan G, or $280 a year. What that money buys back: a copay of up to $20 on some office visits, up to $50 on an emergency room visit that does not end in admission, and Part B excess charges, which Plan G pays and Plan N leaves with you. Four office visits in a year is $80 in copays against $280 in premium.

Same Charlotte sample profile as the Plan G table.

North Carolina has not taken the trade in numbers. 30,639 residents held Plan N as of December 2023 against 227,301 on Plan G, out of 463,867 Medigap policies statewide (NAIC counts by plan letter, via AHIP). The copays are small. Most people would rather not think about them at the desk.

Your County Barely Moves the Floor Here

North Carolina has 100 counties and 73 Medigap rating areas, which sounds like an address problem. It is not. In the September 10, 2026 county pull, the cheapest filed Plan G at 65 was $114.97 in Alamance County and $131.54 in Yancey County, the two ends of the state. The whole geographic range is $16.57 a month.

Set that against $213.36 between two carriers standing in the same city. Moving counties changes your bill by pocket change. Changing companies changes it by $2,560 a year. That is the whole North Carolina cost story in two numbers, and it is why we quote the field rather than a shortlist. Bankers Fidelity (Atlantic Capital Life) held the floor in Alamance County on that pull.

The Household Discount Is the Lowest Total on This Page

6 of the 29 Plan G carriers file a household discount here, worth 11.1% to 20%. Applied, the cheapest filed Plan G becomes $97.09, and the whole bill for each spouse comes to $299.99 a month. That is the lowest monthly total on this page. The catch is that only 6 carriers offer it, so the cheapest company for a couple is often not the cheapest company for one person. We run both quotes on the same call.

Who Filed a 2026 Increase in North Carolina

26 North Carolina filings appear in the CSG Actuarial filing records from January 2026 to September 2026, and 10 of them lifted Plan G by 20% or more. AARP / UnitedHealthcare filed the largest at +30.67%, effective June 1, 2026. 28 of the 30 carriers in that county table already carry a 2026 effective date; the newest is September 1, 2026.

A row is a carrier's filing on a block of policies, not one person's renewal, and an effective date can land after the report month.

Every state's 2026 filings sit on one page: 2026 Medigap rate increases by state and carrier.

Named Carriers, Priced Against the Median

The carriers we have written up in depth, with the filed Plan G rate at 65, the distance from a state median of $156.00, and the last thing each one did to its North Carolina block.

Rates, ranks and filing histories from our published carrier reviews, dated July 15, 2026.

Bankers Fidelity (Atlantic Capital Life) holds the floor at $101.84, rank 1 of 29, with 1 filing on record and the latest at +4.9% effective August 2025. Mutual of Omaha sits at $184.64 after +25.01% effective April 2025 and then +20% effective May 2026 on the same block, which is how a company arrives at rank 25 of 29. A young block with few claims can hold a low rate for years and then file twice in eighteen months. The opening price answers half the question. The filing history answers the other half, and we read both out loud before anyone signs.

Two North Carolina Bills, Side by Side

The left column is cheaper by $101.84 a month and open-ended after that. The right column costs $3,657 a year and stops at one deductible. Neither plan pays the $283 Part B deductible, so budget for it either way. Medigap has no network anywhere in the country, which is why the right column travels with you out of state.

Methodology

• Every premium here is a carrier filed rate, pulled from CSG Actuarial on 2026-07-12. No rate on this page was keyed in by hand.
• Profile behind the tables: female, non-tobacco, individual, ZIP 28202 (Charlotte), no household discount unless the sentence says so. One sample is not your quote.
• County figures, the rate-type mix and the 2026 filings come from a separate CSG county pull dated September 10, 2026, quoted through one ZIP per county across all 100 counties. The two pulls carry different dates on purpose.
• Gap means the monthly dollar distance between the cheapest and dearest filing for one plan letter at one age.
• Carrier count means how many carriers returned a filed quote for this profile. Companies enter and leave between pulls, so the count and the ranking both move.
• Rate changes are drawn from the CSG Actuarial filing records, January 2026 through September 2026. An effective date can be later than the report month.
• The Part B premium and the Part A and Part B deductibles are 2026 CMS amounts, held in one file and imported here.
• Enrollment is statewide by plan letter as of December 2023, from the NAIC Medicare Supplement Experience Exhibit via AHIP May 2025 report. It is not per carrier and not per county.
• Plan F is closed to anyone who became eligible for Medicare on or after January 1, 2020, so this page carries no Plan F table.

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, not affiliated with Medicare, CMS, or any carrier. The carrier you enroll with pays the broker; the premium you pay does not change.