United Health Care Medigap Plan N over 30% increase in 2 years.

@nicolilla 

What state are you in?

If you are getting a declining discount - part of your increase may be due to that rise.

Actually for many states, that's pretty good.

Look how much they are in New York which is a guaranteed issue (all the time) state.  That added risk really ups the premiums.  

Since UHC uses Community ratings all over the country - I'm betting your premiums are based on the community rating too.

COMPARISON OF YEAR 2025 COMMUNITY RATED
STANDARDIZED MEDICARE SUPPLEMENT MONTHLY PREMIUMS
(PREMIUMS IN EFFECT AS OF JANUARY 1, 2025)

Scroll down to get to Plan N and then UHC.

This will probably make you feel better about your current premiums.

That's the thing about health care cost, they keep rising (medical inflation) and usage also plays a big part in Medigap rates and we know Medicare beneficiaries use their benefits especially in Original Medicare where there is nothing there that makes them even think about using it as often as they need and sometimes want.