Carrier review
INA (Insurance Company of North America) Medicare Supplement
We are appointed to represent INA (Insurance Company of North America). This page explains what the company actually is, what it is good at, and what to check before you buy — not what its brochure says.
Figures reviewed for 2026
- Full name
- Insurance Company of North America
- Parent company
- Chubb
- Plans
- Standardized letters, including A, F, G and N where filed
- Market
- A newer Medigap program, released state by state
INA is the Insurance Company of North America, one of the oldest insurance names in the country and today a Chubb company. Its Medicare Supplement program is new: Chubb entered the Medigap line only recently and has been opening states a few at a time, which means the brand is well known while the Medigap block is young. That combination is the whole story of an INA quote. You get an A-rated parent and modern administrative systems, and you also get a block with no long rate history to examine, because there is not one yet.
Same corporate family
Each company in this group writes its own policies and files its own rates, so each one has a separate page:
Why consider INA (Insurance Company of North America)
- Chubb is one of the strongest property and casualty groups in the world, so the claims promise rests on a very large balance sheet.
- Household discounts are available in most states where it is filed, which materially changes the comparison for a couple.
- Marketed without a pre-existing-condition waiting period where state rules allow, which simplifies the first six months.
What to check first
- New blocks have no track record. Ask how the program has priced in the states where it has been live longest, and treat a first-year rate as an opening number rather than a settled one.
- Availability is genuinely state by state, so confirm the plan is filed in your county before comparing prices.
- INA and ACE are both Chubb companies. If you are quoted both, check the issuing entity and the premium separately instead of assuming they are the same filing.
How we compare this carrier against the rest
Medigap benefits are standardized by federal law, so a Plan G from INA (Insurance Company of North America) covers exactly what a Plan G from any other carrier covers. That leaves five things worth comparing, and we check all five before making a recommendation:
- The filed premium at your age, ZIP code, and tobacco status
- The last five years of rate increases on the exact plan and block
- Whether pricing is attained-age, issue-age, or community-rated
- Household, spousal, and multi-policy discounts you qualify for
- The issuing legal entity, since one brand can hold several blocks
Common questions
Before you apply
- Is this carrier cheaper than the others?
- Sometimes, and only for a specific age, ZIP code, tobacco status, and household. Medigap benefits are identical by plan letter, so price is the only real variable — which is why we quote the whole market rather than publishing a number that goes stale.
- Can I be turned down for health reasons?
- Outside your six-month Medigap Open Enrollment Period, and outside any state-specific rights such as a birthday rule, yes. Carriers use medical underwriting and can decline or rate you up.
- What happens to my rate over time?
- The carrier files increases with your state insurance department, and they apply to your whole block of business. A carrier with a history of double-digit annual increases is expensive even when the first year looks cheap.
Compare plan letters
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See what INA (Insurance Company of North America) would charge you
Rates depend on your age, ZIP code, tobacco use, and in some states your health history. Send us a few details and we will put the real 2026 numbers side by side.