AARP Medicare Supplement Plan G with United Healthcare - Premium Increases

[VirginiaB166096]

My husband and I have had the AARP Medicare Supplement Plan G plan for LESS than 2 years. He is 18 months in; I'm at 16 months. In that time, we've seen 2 rate increases and the $2.00 incentive to be billed and pay together has disappeared. What's with the money grab by UHC (and AARP)?

My premium has gone from $106.64 to 131.69 with an interim hike and his has gone from $122.88 to $159.80 with another increase scheduled for Jan 2026. 

The literature we read when we subscribed to this AARP plan was that our rates would not increase, yet here we are. A bait and switch? A lie in the advertising? Which is it?

And why separate the bill so we lose that $2 incentive? Really?  You need to take back that $2?

I would love a cogent explanation from both AARP and United Healthcare.  Last time i inquired they simply told me that the rate went up because the rate increased. (Kid you not!)  I really would love to know why the rates increase and what we should expect going forward. More annual increases?

It seems like no matter what you read in the sales literature, it won't be that way IRL. AARP and United Healthcare are making billions off seniors. And always, always, going after more and more $$$$. SMH at the greed.

We will be shopping around next year. AARP can do better to negotiate on our behalf, but no doubt they are in bed with UHC. Gotta keep those lobbying dollars coming in . . . but then what are you doing on our behalf? Or just bleeding us dry?

[TRL1111]

---

@HughW290135 wrote:

I'm supposed to be in a community rated health plan, and my premium increased 38% at the end of my first year, so did everyone else in the plan get increased 38%, or am I being singled out for some reason? 

---

In a true community-rated plan (which AARP/UHC is not, except in states (like New York) that require community-rated plans), everybody in a plan pays the same premium regardless of their age.  So yes, if you were in a true community-rated plan, everybody would be getting a 38% increase.

But you're not.  As for your 38% increase, at this point you're getting the maximum discount available under AARP/UHC pricing scheme, and your discount is going to go down every year.  So people who are older than you with your same plan had premiums that went up even more than your 38% because their discount is lower than yours.  

Once you're in a plan, there will be no singling out of you.  

You can go to Medicare.gov and see all of the supplements that are available to you, and if you enter your birthdate, etc., you can see what your premium would be under each plan.  That could give you an idea of how your premium compares to other supplements you could buy instead.

[Winter2025VA]

Hugh @HughW290135 , maybe it is time to see what other options may work for you. Take care, Nicole  👵

---

[*** @HughW290135 wrote 4/7/25:

I've been on the United Healthcare AARP community rated Plan G for one year. I am 66 now. I just received a 38% increase in my monthly premium, from $150.00 to $208.04. I expected an increase of maybe 10% to 15% because of inflation, but holy cow!  That's almost $700.00 per year. ***]

---

[GailL1]

@Winter2025VA wrote

. . . . . maybe it is time to see what other options may work for you. Take care, Nicole 

==============================

That would have to be determined by the state where the poster lives and their overall health condition if they have to pass medical underwriting to switch policies.  

States determine this in their rules for Medigap guaranteed issue  or underwriting as a method to change policies.