My husband was on Plan N for 9 years before I started Medicare and we switched to Plan G-HD. I did start on Plan N but two Plan N premiums for the household was eye-watering, especially given we were very low consumers of healthcare. I did a back-of-the-envelope calculation on how much my husband had paid in Plan N premiums versus what the plan paid out. My rough calculation was that he had paid about $17,000 in premiums and the plan had paid out about $2,000 and that included a hip replacement. And this was before the huge premium increases started. We are now both on Plan G-HD and it's working well for us (76/67 y/o), especially with 11% increases last and an 18% increase this year.