Medigap
Medigap Rate Increase History by State
How much have Medicare Supplement carriers raised base rates each year? Pick a state to see approved rate changes for Plan G, Plan N, and High-Deductible G by carrier.
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Illustrative preview — pending SERFF verification
The Texas dataset currently shown is seed data compiled from generalized filing summaries — it has not been reconciled row-by-row against each carrier's actual SERFF filing, and it does not yet reflect mid-year filings (April 1, July 1, October 1). We are rebuilding this from verified SERFF filings for TX, FL, and AZ before adding any additional states. Treat the current numbers as directional only.
Available now
Pick a state to see approved base-rate changes by carrier. A carrier filter is available on each state page once opened.
Looking for market share? See the nationwide top Medigap carriers by covered lives (2024) — UnitedHealthcare / AARP leads at ~31%.
Coming soon
These states are on the roadmap. We compile approved base-rate changes state-by-state from each carrier's SERFF filings, so we release each one after review.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Michigan
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wyoming
Waiver states (excluded)
Massachusetts, Minnesota, and Wisconsin use their own state-standardized Medigap plan designs. Their filings are not directly comparable to the federal Plan G / N / HDG framework, so they are excluded from this report.
- Massachusetts
- Minnesota
- Wisconsin
How to compare Medigap premiums and rate increase histories
A carrier's current premium only tells half the story — what matters over a decade is how that company has raised rates year after year. Here's how to use this report to compare companies:
- Open your state's page and find the carriers offering your plan letter (Plan G, Plan N, or High-Deductible G).
- Look at the year-by-year pattern, not one year. A carrier with steady 4–6% filings is usually a safer bet than one that alternates 0% and 15%.
- Check who has the lowest historical rate increases in your state. The answer changes by state — a company that's cheap to hold in Texas may file much larger increases elsewhere, which is why each state gets its own table.
- Remember the two separate increases. Your renewal reflects both the filed base-rate change shown here and any attained-age increase built into the carrier's rate table.
Medigap and Medicare Open Enrollment 2027 — key dates
The Medicare Annual Enrollment Period runs October 15 through December 7, 2026 for coverage starting January 1, 2027. That window lets you join, switch, or drop Medicare Advantage and Part D drug plans — but it does not apply to Medigap.
Medigap has no annual open enrollment. Your one-time Medigap Open Enrollment Period lasts 6 months and starts the month you're both 65 or older and enrolled in Medicare Part B — during it, carriers must sell you any plan they offer at the standard rate. After it closes, carriers in most states can use medical underwriting, though some states add guaranteed-issue rights or birthday rules. Rate-increase history matters most when you're locked in with a carrier, which is exactly what this report tracks.
Methodology
Figures reflect the approved base-rate change filed by each carrier with the state Department of Insurance for individual (non-group) standardized Medigap plans. Percentages are the annual change to the underlying rate table for a representative 65-year-old non-tobacco applicant in the state's largest metro rating area.
Individual policyholders may experience a different change based on attained age, area, renewal timing, and any applicable discounts (household, multi-policy, EFT bank draft, loyalty, etc.). Historical increases do not predict future increases.
Frequently asked questions
How much do Medigap rates go up each year?
Approved Medicare Supplement base-rate increases typically range from 3% to 12% per year for Plan G, Plan N, and High-Deductible G. Actual filings vary by carrier, state, and rating area.
Base-rate increase vs attained-age increase — what's the difference?
A base-rate increase is the change a carrier files with the state that shifts the entire rate table. It is separate from the attained-age increase a policyholder sees on each birthday. Both apply on renewal.
Why are MA, MN, and WI excluded?
Those three waiver states use their own state-standardized plan designs instead of the federal Plan A–N framework, so filings are not comparable to Plan G, Plan N, or High-Deductible G.
Where does the data come from?
Approved percentages come from SERFF public rate filings and state Department of Insurance records. Modeled points are labeled and use carrier trend plus peer filings when a filing is not yet public.
Which states are available right now?
Texas is live with 2022–2026 approved base-rate history for roughly 26 carriers. Additional states are being compiled from SERFF filings.
Which Medigap company has the lowest historical rate increase?
It depends on your state and plan letter. Open your state's page to compare each carrier's approved filings side by side — the company with the lowest increases in one state is often not the same in another.
What is the average rate increase for a Medigap plan?
Across 2022–2026 public filings, approved base-rate increases most often land between 3% and 12% per year. Averages hide wide carrier differences, so the state tables show each company separately.
Can I switch Medigap plans during Medicare Open Enrollment?
No — the October 15 – December 7 Annual Enrollment Period covers Medicare Advantage and Part D only. Medigap switches are governed by your one-time Medigap Open Enrollment Period and your state's guaranteed-issue rules.