Plan G vs Plan N in North Carolina: $114.97 Against $88.67, Statewide

By Anthony Orner, Independent Licensed Medicare Insurance Broker · North Carolina filed rates pulled September 10, 2026, CSG Actuarial · Mecklenburg County (ZIP 28078)

North Carolina's cheapest Plan G is $114.97 and its cheapest Plan N is $88.67, both from Bankers Fidelity (Atlantic Capital Life), for a 65-year-old woman who does not use tobacco (CSG Actuarial, pulled September 10, 2026). The same two numbers appear in every one of the 16 key counties in our file, Charlotte to the coast. The gap is $26.30 a month, $316 a year.

$316 is about 15 office copays. Plan N buys those back, plus up to $50 at an ER that does not admit you, plus any Part B excess charge, which North Carolina permits. Across the 29 carriers filing both letters the median gap is $42.22, which ranks 4 of 28 in our file: North Carolina discounts Plan N less than most states do.

The carrier pays the broker. The filed rate is the rate either way.

One Pair of Numbers for the Whole State

North Carolina carriers file 73 rating areas across 100 counties, so most premiums move with the address. The floors do not: Bankers Fidelity (Atlantic Capital Life) files $114.97 and $88.67 in all 16 key counties, and the statewide lows are the same figures. What does move is everything above the floor: the median Plan G filing in the key counties is not one number, and a carrier's rank above the floor can change from one county to the next.

Each county at the ZIP covering the most of its land area; woman, 65, non-tobacco, no household discount. The floor carrier is Bankers Fidelity (Atlantic Capital Life) in each row.

29 Carriers, Sorted by How Much They Charge for the Difference

7 carriers price the letters under $30 apart and 9 at $50 or more. The tightest, AARP / UnitedHealthcare at $7.48, Physicians Mutual at $15.32, United American at $19.00, leave Plan N with no case at all. The floor carrier's own gap is $26.30, 22.9% of its Plan G.

ZIP 28078, CSG Actuarial filings pulled September 10, 2026; each carrier's lowest filed rate class. Rank in parentheses is the carrier's place on the Mecklenburg County board for that letter. Old Surety Life files Plan G only. 5 Plan G rows above four times the state median are excluded.

Ten Years On: Both Floors at 65 and 75

27 of 30 North Carolina carriers price on attained age. The Plan G floor goes $114.97 to $143.52 between 65 and 75; the Plan N floor $88.67 to $110.69. The gap widens from $26.30 to $32.83, and the median gap from $42.91 to $54.55. The dollars Plan N saves grow with age. So does the visit count that spends them.

Floors in Mecklenburg County; the median gap is the statewide median Plan G minus the statewide median Plan N at that age.

Why North Carolina Buys Plan G

At the December 2023 NAIC count North Carolina had 227,301 Plan G policies and 30,639 on Plan N, 13 N for every 100 G, with 180,281 still on the closed Plan F. Plan N's 6.6% share ranks 23 of 28 in our file. Two things explain it. The gap is narrow, so the letter does not save much. And North Carolina permits Part B excess charges, so Plan N carries an exposure that a Pennsylvanian or an Ohioan does not.

26 of the carriers in the pair table carry a 2026 Plan G filing, 21 of them 15% or more, topped by AARP / UnitedHealthcare at +30.7% effective June 1, 2026. A filing moves both letters from the same company, so the gap in dollars grows with each one. The state list is on 2026 Medigap rate increases.

Methodology

• Every premium is a filed rate read at build time from the North Carolina file of our licensed CSG Actuarial pull dated September 10, 2026. No number is typed.
• Profile: woman, non-tobacco, individual, no household discount, ZIP 28078 in Mecklenburg County; each carrier's lowest filed rate class. Bundled Plan G variants are excluded.
• Pairs match a carrier's two letters by NAIC code. Rows above four times the statewide median (5 here) and direct-to-consumer or guaranteed-issue classes are excluded.
• County floors are quoted at the ZIP with the largest land overlap in each key county.
• Break-even copays divide a year of the floor gap by the $20 office cap. Cross-state ranks compare North Carolina with the 28 state files carrying both letters at 65.
• Enrollment is the NAIC statewide count as of December 2023. Copay caps and deductibles are 2026 federal figures from one source file. Neither letter pays the $283 Part B deductible.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in North Carolina and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage with no affiliation to Medicare, CMS or any carrier. We do not offer every plan available in your area; contact Medicare.gov or 1-800-MEDICARE for all options.