Carrier Rate Increases
Nobody Explains
Medigap plans look identical on paper — but premiums do not rise the same way. May River Medicare Insurance explains how carriers really price increases, why some plans explode over time, and how to protect yourself long-term.
As a plan’s block of business ages, claims rise. Some carriers pass that cost aggressively to existing members.
Hospital, specialist, and outpatient costs rise faster than general inflation — and carriers adjust premiums to match claims trends.
- Premium increases as you age
- Most common — and most misunderstood
- Compounds over time
- Age locked at enrollment
- Still subject to inflation increases
- More stable long term
- Everyone pays the same base rate
- Least common
- Rate hikes affect all members equally
Two identical Plan G policies can have radically different 10-year costs depending on pricing method and carrier discipline.
When carriers stop accepting new members, the pool ages faster — often triggering sharper increases.
Some carriers intentionally underprice early to gain market share, then “catch up” later with steep hikes.
Rate increases are approved by state regulators — meaning increases can vary widely by location.
Smaller or struggling carriers may raise rates faster to remain solvent.
- Compare historical rate increase patterns — not just today’s price
- Balance premium stability with underwriting flexibility
- Plan for your 70s and 80s, not just your first year
- Avoid switching mistakes that trigger underwriting later
We track long-term rate behavior — not marketing promises — so you understand future risk before enrolling.
No single carrier bias. We show you transparent pricing paths across multiple insurers.
Choose a Medigap Plan That Ages Well
May River Medicare Insurance is a nationwide, independent Medicare agency. We show real costs up front, explain rate-increase risk, and help you enroll with long-term confidence — not surprises.