How much will Medicare Supplement premiums increase in 2026?

No one can predict exact 2026 rates yet. However, if medical claim trends stay elevated, expect continued increases in the 5-15% range for many carriers. A free rate review before your renewal can help you find a lower-cost option.

How much does a Medicare Supplement cost in 2025?

Plan G premiums in 2025 range from roughly $100 to $300+ per month depending on your age, ZIP code, gender, tobacco use, and carrier. The same plan letter covers the same benefits regardless of carrier, so price shopping matters.

Can I switch Medigap plans without underwriting?

In most states, switching carriers outside your initial Medigap Open Enrollment Period requires medical underwriting. Some states offer additional protections. Federal guaranteed issue rights apply in specific situations like losing employer coverage or a carrier leaving your area.

Why are some carriers raising rates more than others?

Each carrier files rates based on its own claims experience. A carrier with an older or sicker pool of policyholders will raise rates faster. Newer market entrants often have lower rates because their risk pool hasn't aged yet.

Medicare Supplement Premiums Increasing by Double Digits in 2025: Why It's Happening and How to Respond

Medicare Supplement premiums increasing by double digits in 2025 isn't a rumor. It's on renewal notices landing in mailboxes right now. If your Medigap bill jumped 10%, 15%, or more this year, you're not alone and you're not stuck.

Call for Free Advice — 855-559-1700

Which carriers filed the largest rate hikes this year

Industry data through early 2025 shows several major carriers filed significant Plan G and Plan N increases. Aetna, Mutual of Omaha, and UnitedHealthcare took some of the largest rate actions on open blocks of business. Smaller regional carriers varied widely by state.

The same Plan G from one carrier might cost $50 to $80 more per month than from another. Benefits are identical. Only the price tag changes.

Why rates spiked this year

Medical claim costs have been elevated since 2023. Delayed procedures from the pandemic era, higher hospital charges, and increased utilization all hit carrier loss ratios hard. Carriers respond by raising premiums to cover what they're paying out.

This isn't unique to one company. It's an industry-wide trend driven by real healthcare spending.

How attained-age pricing compounds over time

Most Medigap plans use attained-age pricing. Your premium goes up as you get older, plus any rate increases the carrier files. A 5% age bump stacked on a 12% rate increase means your bill climbed 17% in one year.

Over five or ten years, this compounding effect can double your original premium. That's why periodic rate reviews matter so much.

When switching carriers makes sense (and when it doesn't)

Good candidate to switch: You're in good health and can pass underwriting. A newer carrier offers the same plan letter at $50+ less per month.
Proceed with caution: You have health conditions that might cause a denial. Never cancel your current plan until you're approved by the new one.
Stay put: Your rate is still competitive after comparison, or you have guaranteed issue rights you'd lose by switching.

What you can't control vs. what you can

You can't stop carriers from filing rate increases. You can control which carrier you're with. Since every Plan G or Plan N covers the exact same benefits by law, the only variable is price and the company behind it.

A 10-minute rate comparison could save you $600 to $1,000 a year. That's real money, especially on a fixed income.

Get a free rate review before your next renewal

I'll pull current rates from every carrier available in your ZIP code, compare them to what you're paying now, and tell you straight whether switching makes sense. No cost, no pressure. If your current plan is still the best deal, I'll tell you that too.

Stop overpaying for the same coverage.

Call 855-559-1700 or get a free quote online.

Anthony Orner, Licensed Medicare Broker