Plan G vs Plan N in Ohio: Where the Cheapest Plan G Beats 27 of 33 Plan N Filings

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Ohio filed rates pulled September 11, 2026, CSG Actuarial · Cuyahoga County (ZIP 44139)

The cheapest Plan G in Cuyahoga County is $118.17, filed by AARP / UnitedHealthcare for a 65-year-old woman who does not use tobacco (CSG Actuarial, pulled September 11, 2026). 27 of the 33 Plan N filings on the same board cost more than that Plan G. The cheapest Plan N, $102.31 from Bankers Fidelity (Atlantic Capital Life), is $15.86 under it, $190 a year.

That $15.86 is the narrowest floor-to-floor gap in the 28 state files we hold, and it is only 9 office copays a year. Add Ohio's law against Part B excess charges, which removes Plan N's biggest exposure for in-state care, and the letter question in Ohio becomes a carrier question: at the floor, buy the Plan G; at a carrier that prices the letters $60 apart, Plan N has a case.

The carrier pays the broker. The filed premium is the same with or without us.

6 Plan N Filings Under the Cheapest Plan G, 27 Over It

Ohio ranks 1 of 28 in our file for the number of Plan N filings that a single Plan G undercuts. The lines that do beat $118.17: Bankers Fidelity (Atlantic Capital Life) at $102.31, HealthSpring Insurance (HCSC) at $103.37, AARP / UnitedHealthcare at $104.29, Washington National at $110.21, LifeShield National at $113.78, Medico Life and Health at $114.06. Everything else on the Plan N board, from $120.42 up to $277.27, charges more for fewer benefits than the cheapest Plan G.

All 33 Ohio Carriers Filing Both Letters

Sorted by Plan N, cheapest first, so the line where Plan N stops beating the cheapest Plan G is visible. 5 carriers price the letters under $20 apart (Aultcare Ins Co, Anthem Blue Cross Blue Shield, AARP / UnitedHealthcare, WPS Health Solutions, THP Ins Co), where Plan G is the only sensible buy. United American files Plan N $30.00 above its Plan G.

ZIP 44139, CSG Actuarial filings pulled September 11, 2026; woman aged 65, non-tobacco, individual, no household discount; each carrier's lowest filed rate class. Green rows are Plan N filings under the cheapest Plan G. Two companies file under some names; each is its own row.

Community Rating Moves the Floor After 65

AARP / UnitedHealthcare charges $118.17 for Plan G at 65, 70, 75 and 80 alike. The 31 attained-age carriers on the board start low and step up on birthdays. So the Plan G floor changes hands: AARP / UnitedHealthcare at 65, Medico Life and Health at 75 with $158.23. The floor gap between the letters is $22.50 at 70 and $35.37 at 75, wider than at 65 because the community-rated Plan G no longer sits at the bottom.

Cuyahoga County floors by age; statewide medians. An attained-age line steps up on birthdays; a community-rated line does not.

The Plan N Floor Moves by County; the Plan G Floor Does Not

Because the Plan G leader files one statewide price, every key county shows $118.17 for the cheapest Plan G. The Plan N floor is $93.01 in Franklin County and $103.37 in Lorain County, so the gap is $25.16 at its widest and $14.80 at its narrowest.

Each key county at the ZIP covering the most of its land area, same profile.

Copays, the Ohio Excess-Charge Rule, and Who Holds Plan N

Plan N asks up to $20 at some office visits and up to $50 at an ER visit that does not become an admission. It does not pay Part B excess charges, and in Ohio that is moot for in-state care: state law forbids providers from billing Medicare patients above the approved amount. Both letters pay the $1,736 Part A deductible; neither pays the $283 Part B deductible.

Ohio held 81,576 Plan N policies at the December 2023 NAIC count, 13.5% of 602,210, against 295,149 on Plan G and 182,905 on Plan F. 31 carriers in the table carry a 2026 Plan G filing, the largest AARP / UnitedHealthcare at +35.8% effective June 1, 2026. A filing hits both letters from that carrier at once; the full Ohio list is on 2026 Medigap rate increases.

Methodology

• Every premium is a filed rate read at build time from the Ohio file of our licensed CSG Actuarial pull dated September 11, 2026. No figure is typed.
• Profile: woman, non-tobacco, individual, no household discount, ZIP 44139 in Cuyahoga County; each carrier's lowest filed rate class. Bundled Plan G variants excluded.
• “Plan N filings over the cheapest Plan G” counts Plan N lines on the Cuyahoga County board filed at or above $118.17.
• Pairs match a company's two letters by NAIC code. Direct-to-consumer and guaranteed-issue classes and rows above four times the state median are excluded.
• The excess-charge statement is Ohio law for care delivered in Ohio. Cross-state ranks compare Ohio 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.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in Ohio 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.