Why Medigap premiums go up, and what you can do about it

Almost everyone with a Medigap policy will see the premium rise at some point. Knowing why helps you decide whether to stay or shop.

The three drivers

1. Medical inflation and claims. If the insurer's policyholders use more care, or care costs more, premiums rise. Insurers must file increases with the state.
2. Medicare's own cost sharing. When the Part A deductible ($1,736 in 2026) or Part B deductible ($283) rise, plans that cover them cost more.
3. Age, for attained-age policies. Community-rated policies, required in Washington, do not rise with age.

Closed blocks

A "block" is a group of policies of one plan type from one insurer. Plans closed to new buyers, like Plan F since 2020, gradually get older and sicker on average, which can push increases higher over time. That is one reason most new enrollees choose Plan G or N.

Reading the notice

Increase notices usually arrive 30 to 60 days before your policy anniversary. Compare the new premium with quotes for the same plan letter elsewhere.

Your options

• Stay, if the increase is in line with the market.
• Shop the same plan letter with other insurers. In most states you must pass medical underwriting to switch; in Washington, you can switch within a plan group without health questions.
• Move to a lower-cost plan letter, such as G to N or to high-deductible G; see high-deductible Plan G.
• Ask about household discounts.

An independent agent can compare insurers' rate histories. In Washington and Florida, Maru Insurance is one option.

Questions people ask

Why did my Medigap premium go up?

Claims, medical inflation, higher Medicare deductibles and, for attained-age policies, age.

Can I switch to a cheaper Medigap?

Usually with medical underwriting; Washington allows switching within plan groups.

Are increases regulated?

Insurers must file rate increases with the state insurance department.

Is Plan F more expensive now?

Plan F is closed to new enrollees, and closed blocks often see larger increases.

Independent educational site. Not affiliated with or endorsed by the U.S. government, the federal Medicare program, or any insurance company. Figures are 2026 amounts published by CMS unless noted; check Medicare.gov for your situation.