Humana

Humana is the second-largest Medigap carrier with strong Plan G and N availability, competitive attained-age pricing in the Southeast and Midwest, and a well-rated member app.

Fact	Humana
Medigap plans offered	A, G, K, L, N (state-dependent)
AM Best rating	A (Excellent)
Pricing model	Attained age
Household discount	Yes in most states
Signature feature	Broad N availability; strong digital claims tools

Strengths

Humana quotes well for 65–70 applicants in competitive states and consistently files Plan N where other national carriers skip it — making it a default N quote. Its rate increases have historically tracked market medians rather than spiking (pattern analysis in the rate file).

Watch-outs

In some western states Humana Medigap filings are thin or absent, and its Part D sibling plans push cross-sell hard at enrollment — the drug plan choice deserves its own comparison rather than a bundle default.

FAQ

Is Humana good for Plan N?

Yes — N availability and pricing are among Humana’s strongest suits in most states.

Does Humana use attained-age pricing?

Yes, in nearly all states — meaning rates rise with age bands over time.

Related reading: All carriers · Plan N file · Pricing models