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Plan G vs Plan N in Washington
Plan N trades a lower premium for small copays. Whether that trade pays off depends on the gap between the two premiums at your insurer, and how often you see a doctor.
The only differences
| Plan G | Plan N | |
|---|---|---|
| Part B deductible ($283 in 2026) | You pay | You pay |
| Office visit copay | None | Up to $20 for some visits |
| ER visit not leading to admission | None | Up to $50 |
| Part B excess charges | Plan pays | You pay |
| Everything else | Plan pays | Plan pays |
Both plans pay the Part A hospital deductible, hospital and skilled nursing coinsurance, hospice and 80% of foreign travel emergencies.
The break-even, insurer by insurer
The table divides each insurer's yearly premium saving with Plan N by $20. The result is roughly the number of copay office visits you'd need in a year before Plan G costs less overall.
| Insurer | Plan G | Plan N | Monthly saving with N | Yearly saving | $20 copays to break even |
|---|---|---|---|---|---|
| GPM Health & Life | $466 | $239 | $227 | $2,724 | 136 |
| USAA | $309 | $194 | $115 | $1,380 | 69 |
| United World Life (Mutual of Omaha) | $379 | $265 | $114 | $1,368 | 68 |
| Asuris | $394 | $294 | $100 | $1,200 | 60 |
| Medco Containment Life | $311 | $226 | $85 | $1,020 | 51 |
| Washington National | $274 | $192 | $82 | $984 | 49 |
| Regence BlueShield | $317 | $244 | $73 | $876 | 44 |
| Premera | $286 | $215 | $71 | $852 | 43 |
| State Farm | $310 | $239 | $71 | $852 | 43 |
| Insurance Company of North America | $257 | $191 | $66 | $792 | 40 |
| Bankers Reserve Life | $257 | $194 | $63 | $756 | 38 |
| HumanaDental | $330 | $267 | $63 | $756 | 38 |
| UnitedHealthcare (AARP) | $324 | $265 | $59 | $708 | 35 |
| Regence BlueCross BlueShield of Oregon | $279 | $223 | $56 | $672 | 34 |
| United American | $293 | $242 | $51 | $612 | 31 |
| First Health Life & Health | $239 | $189 | $50 | $600 | 30 |
How to decide
Lean toward Plan N if you see a doctor a few times a year, your doctors accept Medicare assignment, and the saving at your insurer is large.
Lean toward Plan G if you see specialists often, you want no bills at all after the Part B deductible, or you get care from providers who don't accept assignment.
Washington makes this a lower-stakes choice
In most states, choosing Plan N is hard to undo: moving up to Plan G later can mean medical underwriting. In Washington, anyone with Plan N can switch to any insurer's Plan G at any time with no health questions. Starting with N and moving to G if your needs change is a real strategy here.
Plan N monthly premiums, Washington
Age 65 and older, monthly bank draft. Source: Washington OIC chart current as of October 8, 2026.