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CindyM710519
Contributor ⭐
September 20, 2025

My AARP Medicare Supplement went up 32% last month!

  • September 20, 2025
  • 15 replies
  • 10161 views

 I am 68 and have had Medicare since I was 65.  Today I got a notice that my AARP United Health Care Supplement premium went up by $58 per month which is a 32% increase.  The reason cited was "multiple adjustments to my account".  What does that mean and are others experiencing a 32% increase from United Health Care?

 

Thanks,

 

Cindy

      15 replies

      GailL1
      GailL1
      Community Champion ⭐⭐⭐
      September 20, 2025

      @CindyM710519 

      Sounds like you have several things going on  -

      1.  You are right in line for the reduction in your enrollment discount % - read your contract - it should show something like the below.

      IMG_0225.png

       

      2.  Medical inflation is hitting ALL plans rather hard this year - not just Medigap plan but Medicare, Medicare Advantage plan , employer coverage, ACA plans - and even though Medigap coverage is NOT health insurance, it is based on the cost of Medicare coverage - and that is one thing the boomers know how to do - spend their Medicare.

      3.  For a Medigap plan, a lot of the cost is based on the state where you live and the state laws that could be exposing the insurer to more risk - give you state and I can let you know if that is also part of your increase. 

       

      Sorry - 2026 is gonna be a tough year for healthcare cost - including medication - better shop your Medicare Part D plan when it arrives to see if it is still the best one for your needs. 

      IT‘S ALWAYS SOMETHING . . . . .. . . . Roseanne Roseannadanna
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        CindyM710519Author
        Contributor ⭐
        September 21, 2025

         Thanks.  I assume part of it is that I moved to Florida from Arizona.  Maybe Medigap is more expensive in Florida?  For Medigap Part D I was forced to switch because of my move into another state.  I ended up getting Wellcare which is $0 per month rather than Cigna which was $14 per month - so I actually saved a little there.

         

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          CBtoo
          Conversationalist ⭐⭐
          October 18, 2025

          The law states that with exception of the new program medicare can't negotiate drug prices. As a result, if they so desired, the pharmaceutical industry can charge seniors whatever they want to make up for negotiated drug rates for work place insurance, ACA insurance, vet administration case, Medicaid... And, in fact, the cost of meds for seniors with the exception of the drugs on the short list with the new program are higher than other insurance programs for non medicare.

          If people had to pay out of pocket for everything there'd be more deaths amongst the poorer people. We are the only first world country that views health care as a private and not a right. We have, on average, a shorter lifespan than most first world nations. 

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            CBtoo
            Conversationalist ⭐⭐
            September 29, 2025

            One thing to be aware of is your AARP UHC supplement plans raise their prices twice a year. On your anniversary month of the month when you signed up the price goes up because your discount goes down (so if you live long enough that eventually goes away). Then once a year, on June 1, everyone's rate goes up based on health care costs, inflation, etc. I suppose if your anniversary date is also June  you get a double hit but then you'd only have one increase a year.

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