If your Plan G or Plan N premium suddenly increased by $20, $30 or more per month, you're probably wondering why it happened, whether you have to accept it, and whether another company offers the same standardized benefits for less.
Most rate reviews take about 20–30 minutes with a licensed Pennsylvania agent.
A Pennsylvania Rate Review Checks
A lower October rate was displayed in every Pennsylvania market we tested.
Availability depends on underwriting and discount eligibility. Checking your options doesn't cancel or change your current policy.
Independent guidance
Compare multiple companies where appointed
Licensed Pennsylvania agents
Help by phone, online and across Pennsylvania
Rates verified by ZIP code
Not just a statewide filing percentage
No added agency fee for our help
The insurer pays the agency when an enrollment is completed
Between August and October 2026, the Plan G and Plan N quotes we tested increased approximately 18% with Nassau Life, 20% with LifeShield National, 19% with American Benefit Life, and 19.5% with Heartland National Life. Separate CSG rate-change information shows USAA Plan G and Plan N increases of 15% effective June 1, 2026.
These percentages do not mean every Pennsylvania policyholder pays the same premium. Actual premiums depend on age, ZIP code, tobacco status, rating class, household discounts, policy fees, and other eligibility factors. Plan letters have the same standardized basic benefits regardless of insurer — premiums can still differ considerably.
In the six quote comparisons used on this page, these four companies changed between August 5 and October 5. This does not establish that no other Pennsylvania company changed rates at another point during 2026.
Key finding: In every Pennsylvania market tested, at least one lower October 2026 premium was displayed for the same Plan G or Plan N applicant profile. Eligibility for that lower premium may depend on medical underwriting, rating class, household discounts, payment method, and policy fees.
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A Medicare Supplement increase is usually applied to a class or block of policyholders rather than imposed because one person personally used the policy. Healthcare costs, the block's overall claims experience, company pricing changes, and attained-age pricing can all affect the premium.
The only way to know is to compare your new premium with the same plan letter for the same age, ZIP code, tobacco status, discount eligibility, and realistic underwriting class. Medigap plans with the same letter provide the same standardized basic benefits regardless of insurer — premiums can still differ considerably.
You may be able to apply for the same plan letter through another company, consider Plan N or High-Deductible Plan G, review available discounts, or evaluate a different Medicare coverage strategy. Medical underwriting may apply when changing Medigap policies outside a protected enrollment right.
The Evidence, By Source
We keep two kinds of evidence separate: rate changes listed in a carrier rate-change report, and changes we observed by quoting the same applicant profile in August and October 2026.
Filing-level rate changes reported by the carriers
| Company | Effective date | Change |
|---|---|---|
| American Benefit Life Insurance Company | October 1, 2026 | ▲ 19.0% — Plans A, B, F, G, N |
| Heartland National Life Insurance Company | October 1, 2026 | ▲ 19.5% — Plans A, B, C, G, N |
| USAA Life Insurance Company | June 1, 2026 | ▲ Up to 15.0% — see below |
USAA's Pennsylvania filing shows Plan A unchanged (0.0%), Plan B up 8.0%, Plan F up 14.0%, and Plan G and Plan N each up 15.0%. Because this increase took effect June 1, 2026, it was already reflected in the August quotes used on this page — so USAA does not appear as an August-to-October change in the city tables below.
ZIP-level quote comparisons for the tested applicant profile
| Company | New rate-table effective date shown | Plan G & Plan N |
|---|---|---|
| Nassau Life Insurance Company | October 1, 2026 | ▲ 18.0% observed |
| LifeShield National Insurance Company | September 1, 2026 | ▲ 20.0% observed |
| American Benefit Life Insurance Company | October 1, 2026 | ▲ 19.0% observed |
| Heartland National Life Insurance Company | October 1, 2026 | ▲ 19.5% observed |
These percentages were observed for the tested applicant profile and ZIP codes described in the methodology below. Nassau Life and LifeShield National are presented as quote-comparison findings, not as filing-level data, because no separate filing was supplied for those two companies.
Company By Company
Yes, American Benefit Life Insurance Company increased Pennsylvania Medicare Supplement rates in 2026. The CSG rate-change report lists a 19.0% increase on Plans A, B, F, G, and N effective October 1, 2026, and our August-to-October quote comparisons showed a closely matching 19.0% observed increase on Plan G and Plan N for the tested applicant profile. American Benefit Life is part of Liberty Bankers Insurance Group.
Yes, Heartland National Life Insurance Company increased Pennsylvania Medicare Supplement rates in 2026. The rate-change report lists a 19.5% increase on Plans A, B, C, G, and N effective October 1, 2026, matching the 19.5% observed increase in Plan G and Plan N quotes between August 5 and October 5, 2026 across the tested ZIP codes.
Nassau Life Insurance Company's Plan G and Plan N quotes increased by approximately 18% between August and October 2026. A new rate table was shown effective October 1, 2026. This finding comes from ZIP-level quote comparisons rather than a filing document supplied for this page.
LifeShield National Insurance Company's Plan G and Plan N quotes increased by approximately 20% between August and October 2026 — the largest August-to-October change we tested. A new rate table was shown effective September 1, 2026, based on quote comparisons rather than a supplied filing.
Yes, USAA Life Insurance Company increased Pennsylvania Medicare Supplement rates in 2026. The rate-change report shows Plan G and Plan N both increasing 15.0%, Plan F up 14.0%, Plan B up 8.0%, and Plan A unchanged, effective June 1, 2026. Because that increase predates our August quotes, USAA does not show as an August-to-October change in the market tables on this page.
Observed August-to-October 2026 Quote Changes
Verified 67F non-tobacco standard-rate premiums, August 5 vs. October 5, 2026. Tap a market to expand it.
Several Pennsylvania Medicare Supplement companies implemented or displayed significant 2026 premium increases. We compared Plan G and Plan N quotes from August 5 and October 5, 2026 in Philadelphia, Bethlehem, Scranton, Pittsburgh, the Camp Hill/Harrisburg area, and Erie.
Rate increase levels shown on this page
▲ 15% or more ■ 5%–14.9% ● Less than 5%More Pennsylvania Medicare Supplement resources
Medicare Supplement plans in Allentown · Medicare Supplement plans in Bethlehem · Medicare Supplement plans in Scranton
After The Increase
This table compares American Benefit Life's new October premium with the lowest October premium displayed for the same tested profile, market by market.
| Market | Plan | Increased October rate | Lower verified October rate | Difference |
|---|---|---|---|---|
| Philadelphia 19106 | G | $224.21 | $137.68 | $86.53/mo. — $1,038.36/yr. |
| Philadelphia 19106 | N | $171.59 | $114.51 | $57.08/mo. — $684.96/yr. |
| Bethlehem 18020 | G | $177.50 | $124.57 | $52.93/mo. — $635.16/yr. |
| Bethlehem 18020 | N | $135.84 | $91.07 | $44.77/mo. — $537.24/yr. |
| Scranton 18504 | G | $177.50 | $118.00 | $59.50/mo. — $714.00/yr. |
| Scranton 18504 | N | $135.84 | $91.07 | $44.77/mo. — $537.24/yr. |
| Pittsburgh 15241 | G | $196.19 | $124.57 | $71.62/mo. — $859.44/yr. |
| Pittsburgh 15241 | N | $150.14 | $100.08 | $50.06/mo. — $600.72/yr. |
| Camp Hill/Harrisburg area 17011 | G | $177.50 | $118.00 | $59.50/mo. — $714.00/yr. |
| Camp Hill/Harrisburg area 17011 | N | $135.84 | $91.07 | $44.77/mo. — $537.24/yr. |
| Erie 16506 | G | $177.50 | $118.00 | $59.50/mo. — $714.00/yr. |
| Erie 16506 | N | $135.84 | $91.07 | $44.77/mo. — $537.24/yr. |
Choose a time for a private, no-pressure review of your current premium.
Schedule My Free Rate CheckChecking your options does not cancel or change your current policy.
Your Options
You may be able to apply for the same plan letter through another company at other times of the year. Outside a protected guaranteed-issue situation, the new company can generally ask health questions, and acceptance is not guaranteed. Medicare specifically advises against canceling your current Medigap policy until you've decided to keep the replacement.
Never cancel your current Medicare Supplement policy until a replacement has been approved and its effective date is confirmed.
See how the Medigap Open Enrollment Period works, or review how to apply for another Medicare Supplement policy.
Sources: Medicare.gov, Can I change my Medigap policy? → · Pennsylvania Insurance Department, Medigap guide →
Usually, yes — unless you have a guaranteed-issue right (for example, during your Medigap Open Enrollment Period or certain qualifying events). A licensed agent can review your specific timing and history before you apply.
A Common Next Step
Plan N can lower the monthly premium while preserving broad protection against major Medicare cost-sharing. In exchange, the policy may require copayments of up to $20 for certain office visits and up to $50 for certain emergency-room visits that don't result in an inpatient admission. Plan N also does not include coverage for Medicare Part B excess charges. Pennsylvania generally prohibits these charges for covered care received within the state, although the issue may still matter when receiving care outside Pennsylvania.
If Plan N saves $50 per month, that's $600 per year in premium savings — equal to thirty maximum $20 office-visit copayments. But the actual result also depends on emergency-room copayments, excess charges incurred outside Pennsylvania, and how often you receive care, so this isn't a guaranteed break-even point.
Learn more about Medicare Supplement Plan G or see how Medicare Supplement Plan N works.
Source: Medicare.gov, Getting Started with Medicare Supplement Insurance →
Another Option
High-Deductible Plan G changes the balance between fixed monthly premiums and potential out-of-pocket costs. It may suit someone who can comfortably absorb the annual deductible and prefers to keep Original Medicare with standardized Plan G protection after that threshold is met.
It's worth reviewing alongside your new rate — not as a default recommendation, but as one more option on the table.
If the Premium Has Become Unaffordable
Your Rate Increased
A rate increase does not automatically mean you should change companies. It does mean this is a sensible time to compare your current premium with other Pennsylvania options offering the same standardized plan letter.
Depending on your health and enrollment rights, medical underwriting may apply if you decide to apply elsewhere.
Choose a time for a private, no-pressure review of your current premium.
Checking your options does not cancel or change your current policy.
Your Pennsylvania Agent
David Scallion
David Scallion is the Founder of Lehigh Partners Senior Benefits, a licensed Pennsylvania insurance agent with more than 20 years of insurance experience. Based in Pennsylvania, David and the agency provide independent, no-pressure Medicare guidance — comparing companies where appointed rather than representing a single carrier.
View David's full profile →Client Reviews
“Gina did a wonderful job in helping me choose between a Medicare Supplement and Advantage plan. She was so patient with all of my questions and by the time I made my choice I was fully comfortable and happy with my plan choice.”
Charlotte Hayden Google review“Dave helped me understand Medicare Part B, C, and D, plus the various supplement plans, and presented me with scenarios that projected monthly and annual costs. He was patient answering all my questions.”
Robert Haffner Google review“Dave was very helpful in finding me the best product to meet my needs at the lowest cost. He was very efficient, thoughtful and available. The process was painless.”
Susan Peck Google reviewCommon Questions
A rate increase does not automatically mean you should change companies. It does mean this is a sensible time to compare your current premium with other Pennsylvania options offering the same standardized plan letter.
Choose a time for a private, no-pressure review of your current premium.
Checking your options does not cancel or change your current policy. Independent Medicare guidance from Lehigh Partners Senior Benefits.
