UHC Medigap rate increase history

[CarolC585396]

On average how much has your medigap policy increased each year?  I am planning to use Plan G, but trying to decide who has lower increases overall.  The UHC community plan or an attained age plan such as Aetna or Cigna.  It looks like with UHC I'll get a 3% increase each year because of the initial enrollment discount  plus an inflation or any type of increase  each year?  

[halbraun]

My plan g with UHC has increased over 10% the last 3 years. Just received my current increase and it went from $219.29 to $243.63. My wife’s went up a similar amount. 

[TRL1111]

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@halbraun wrote:

My plan g with UHC has increased over 10% the last 3 years. Just received my current increase and it went from $219.29 to $243.63. My wife’s went up a similar amount. 

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Ten percent is pretty good this year.  Lots of plans, from all companies, are having increases more like 20%, or higher.

And don't forget that if you're on an AARP/UHC plan with an age-related discount, you'll have another yearly increase related to the discount going down, when the time comes.

[j526839b]

My Plan F increased by $42 per month with rate in place until May 2026. I am 83 years old. Does anyone know how to get information on UHC rates by state and by age?

[am57706584]

United healthcare raised all of Arizona’s 2025 supplemental medicare plans by 20%, not just the extinct plan F. I have plan G and am paying $37.35 more each month. Paying the full year’s amount in advance gets you a $2/month discount!!

God forbid the insurance companies should lose one single dollar. Medical care should not be for profit. 

[TRL1111]

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@am57706584 wrote:

Paying the full year’s amount in advance gets you a $2/month discount!!

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That's interesting. I've seen a discount for letting AARP/UHC draft the premiums from a bank account automatically every month, but never one for paying a full year in advance.  You'd think they wouldn't even want to tell people how much they'll be paying over the course of a year, plus the premium will change on the enrollee's birthday every year if they're in the age group where they have an age-related discount on the premium.

[GailL1]

@am57706584 

You do realize that a Medigap plan is not HEALTH Insurance.  An insurer that sells a beneficiary a Medigap plan makes NO health decision for that beneficiary.  If Traditional Medicare pays, the Gap plan pays - Traditional Medicare makes the decision to cover what health care is given.

Medigap policies are financial protection insurance for those with Traditional Medicare since there is NO limit to out of pocket cost under Traditional Medicare.  No limit at all, not by year and not by lifetime.

The beneficiary sets the limit as to how much the Medigao plan pays by their choice of plans - a little or a lot.  A little, meaning you take more of the risk = way, way lower premiums like in a High Deductible Plan G.  The more risk that is placed on the insurer  = the higher the premiums.  

Many people, if eligible, use another type plans to cover part or all of this Traditional Medicare financial exposure - Medicaid, CHAMPVA, TriCare For Life, an employer retiree plan are examples of such coverage.

When a Medigap plan gets too popular like the old F or C because they covered 1st dollar and and previously had other benefits prior to 2010 like Plan J, and these beneficiaries are using more of the healthcare dollar in Medicare, the Center of Medicare and Medicaid services will TERMINATE the sale of these plans.  Meaning they close book on these plans and people within them will see higher and higher premiums because there are no younger healthier coming into theses terminated plans to offset the cost of those who are remaining in the terminated plan.  

[JPWhiteHome]

Not trying to be pedantic, however Medigap *is* health insurance.

It is secondary insurance. The claim adjudication is done by Medicare (the Primary insurance) and as you point out the medigap policy follows the decision of Medicare/CMS. Just because the medigap provider does not adjudicate the claim doesn't mean it's not insurance, it just means all adjudication is performed by the primary insurance provider, in this case Medicare.

You pay a premium, and if covered it gets paid.

The GAP of Medigap is short for Gap Insurance.

[GailL1]

@JPWhiteHome 

A Medigap plan makes NO healthcare decision - all it does is pick up the part that Medicare does not pay based on the Medigap plan that the beneficiary chooses.  

It is very similar to GAP insurance on an auto which pays extra to your regular auto insurance if one is underwater on what one owes on the auto.

You can call it secondary insurance but that is not normally what one would call secondary insurance when you have (2) health insurance policies that are splitting the cost somehow based on which is primary and which is secondary.   Secondary medical insurance still determine what and and how much they will pay for a specific medical treatment.

GAP insurance is a type of financial protection insurance which one buys to cover any overages in what is being insured.  Car or a Medicare beneficiary with a Medigap.  That is a Medigap whole purpose - to protect a beneficiary for the amount that Medicare does not pay - 

[GailL1]

@j526839b 

Even though UHC Medigap plans are community rated, I think, all of them - finding what you want will be hard all in one place. Each state may have their own list if their DOI or whatever state office does this.  States have much control over Medigap plans because the state is the one that passes the laws to regulate them as to who and when a beneficiary has access to purchase or switch plans.  The Feds only define what each plans cover and even then some states call them by different name.  

Your premium hikes for Plan F are probably gonna be somewhat higher since the plan is now closed to new younger and healthier beneficiaries that can balance out the older and perhaps sicker beneficiaries.  Otherwise, the rates are still based on the usage, medical inflation and the amount of risk the plan has based on state law.

Are you only concerned with Plan F ?

Plan F was closed to new enrollees back in 2020 - 

Medicare.gov - Compare Medigap Plan Benefits  

from the link ~

Note: Plan C & Plan F aren’t available if you turned 65 on or after January 1, 2020, and to some people under age 65. You might be able to get these plans if you were eligible for Medicare before January 1, 2020, but not yet enrolled.

Who can buy Plan C & Plan F after January 1, 2020?

Medigap plans sold to people who are new to Medicare on or after January 1, 2020, aren't allowed to cover the Part B deductible. Because of this, Plans C and F are no longer available to people new to Medicare on or after January 1, 2020. However, if you were eligible for Medicare before January 1, 2020, but haven't yet enrolled, you may be able to buy Plan C or Plan F. While people new to Medicare on or after January 1, 2020, can't buy Plans C and F, they have the right to buy Plans D and G (instead of Plans C and F), which provide the same benefits with the exception of coverage for the Part B deductible.

[kh22372029]

My husbands plan went from 180 dollars in Jan 2025 to 188 dollars in May 2025 to 223 dollars in June 2025. He has plan G.

My pan Plan N was 147 dollars Jan 2025 then went to 156 in Feb 2025 and now in June to 183 dollars. We went from 335 per month to 406 per month starting June 2025.

Absolutely ridiculous!!!

[SpringIsHereVA]

@kh22372029 , alot of OLD people can NO longer "afford" to seek Medical Help as they AGE. Very sad indeed!!! Take care, Nicole  👵

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➡️[*** @kh22372029 wrote on Monday 4/28/25: My husbands plan went from 180 dollars in Jan 2025 to 188 dollars in May 2025 to 223 dollars in June 2025. He has plan G.

My pan Plan N was 147 dollars Jan 2025 then went to 156 in Feb 2025 and now in June to 183 dollars. We went from 335 per month to 406 per month starting June 2025.

Absolutely ridiculous!!! ***]

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[patriciat763405]

JUst received our 2025 premiums for AARP Plan G Husbands increased $55 per month and mine decreased $2 per month. 

[KathleenP926353]

I have plan F and it increased to $71, I have no idea why so much of a jump, It usually increases about $30 per month I also was taken back by such  a large increase.

[GailL1]

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@KathleenP926353 wrote:

I have plan F and it increased to $71, I have no idea why so much of a jump, It usually increases about $30 per month I also was taken back by such  a large increase.

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You mean it went up by $ 71 - not that it increased to $ 71.

Since Plan F is no longer sold on the open Medigap market, then there are NO younger seniors, and hopefully healthier, being added to the Plan and thus all the beneficiaries who have it are getting older and older and perhaps sicker and sicker and are using it more and more.

This is often the case of Medigap plans that have been discontinued by CMS to save money.  Plan F was discontinued from open senior sales in 2020 - 

Just the other day a person posted about Plan J (which was discontinued in 2010) costing them almost $ 900 a month - yep could happen in some states.  

When a Medigap plan is discontinued by CMS, they usually give a brief time period where one could switch to another so as to avoid this escalating premium factor sometimes down the road - 

Plan G would have been the next selection down for a person with a discontinuing Plan F - the ONLY difference in the (2) plans is the Part B deductible that is not covered under Plan G but is in Plan F - In 2024, that amounted to $ 240.00.

It is what it is - and premiums will continue to rise - but on the other hand, you will not have to pay a penny for services covered by Traditional Medicare.  

[tjbitt]

MY part D went from $56/mo in 2023 to $108/mo in 2024 and now going to $180/mo. 

This is crazy!

[JPWhiteHome]

It has become expensive.

In 2023 there was no financial limit to your liability once you got to the catastrophic phase, you would continually pay a portion of the drug costs without any upper limit.

In 2024 an $8,000 cap was placed on your liability in the catastrophic phase after which your liability would be zero for the rest of the year.

In 2025 the $8,000 cap is reduced to $2,000 after which you pay zero for the rest of the year. In addition the doughnut hole was eliminated for 2025.

The "intention" of the legislation changes were to make drugs cheaper for subscribers by making insurers responsible for a larger portion of the total cost. Predictably the insurers just pass on the increased financial liability through increased premiums.

If you are someone who needs very expensive medications this is great news. However if you rarely get out of the initial phase then you are paying for others who need their expensive medications covered. The legislation simply spread the cost of medications more evenly over all subscribers which will impact more subscribers negatively vs the subscribers it helps. It is a poorly thought through piece of legislation.

[mm54383889]

What you don't say and maybe don't realize is that the $2000 cap only applies if the drugs are "covered" by your specific plan. Lots of expensive drugs are not covered under many policies and would not be subject to the $2000 cap. In which case, hopefully there are alternative drugs that are "covered" that can be substituted.

[Tonster521]

@JPWhiteHome With regard to your last paragraph, how do you think any insurance works? Regardless if RX drug, fire coverage (homeowners), auto, life, disability, etc.how do you address and cover risk? Since we are on the Medicare & Insurance forum,I will provide an example;namely, Disability Insurance provided by the Social Security Program. When we pay FICA taxes, we are paying for Old Age Survivor Income (OASI) and Disability Insurance (DI). Although the percentages may vary from year to year, the 6.2% FICA is allocated approximately 5.3% to the OASI and about .9% to DI. If you are single, you are contributing to married folks. Also, if you do not become disabled, you are contributing to disabled folks. https://www.ssa.gov/news/press/factsheets/HowAreSocialSecurity.htm So, folks may be healthy at the present or may take generic meds that are reasonably priced. They may view a Part D premium increase as a negative not thinking or knowing that there is a probably factored in for all folks that someday it may be them that has a catastrophic illness. One never knows what the future may bring. This is why one buys insurance to transfer that risk rather than self insure.

[GailL1]

@Tonster521 

Sorry for the (2) replies to your same post but since they are different in nature, I though it would be simpler to follow the different nature of my replies.

I think both you and @JPWhiteHome are basically saying the same thing.  As long as one is a member of the insured group, when the insurance program gives more, it cost more, even if the beneficiary is not a direct user of an added benefit.   It is, IMO, a cost shift - from the government thru the insurance sponsoring organization and in this instance, somewhat thru the drug manufacturer.  

[JPWhiteHome]

You miss my point.

The legislators thought they were sticking it to the insurance companies and that would result in lower consumer costs overall. It's a popular thing to do with the public, people hate insurance. However that can't work as you correctly stated. In some states insurers are leaving because legislation prevents them increasing premiums to match losses, leaving homeowners with little choice but to self insure.

Legislators have focused on the insurance companies which is silly because they just pass on costs. The true problem is drug companies who keep increasing medication prices. Insurance does't determine the final cost the manufacturers do.

My guess is pharma has a better lobby than insurance companies.

[GailL1]

@JPWhiteHome 

I don’t know who, if anybody, had the better lobbying group - and I don’t know how , in the end, it is all gonna play out with beneficiaries - speaking mostly of those who are not gonna get a direct benefit.  

I also don’t think this is just because of the Part D rule changes - especially since most plans nowadays days are MAPD - so it isn’t just gonna affect free-standing Part D plans.  

The premium raising cap was applied just so there would not  be an all out uprising - especially in an election year.  Who knows how this is gonna affect the overall program of Medicare in the long term.

I don’t think that insurers have to do cost analysis based on their different exposures to Medicare programs - or do they?

I read yesterday that CIGNA has already begun the process of pulling out of MAPD plans in certain counties in certain (several) states.

It should all begin to hit the fan, so to speak, next week, when more ANOC are began to be scrutinized by their beneficiaries - I have tried to do my part in telling beneficiaries that they have to review these carefully for CY2025 or suffer the consequences.  Thus far, here, we have seen some outcry over premium increases but not much on the actual changes to the meat of the various policies.  But maybe premiums are all that are being looked at 🤯

I’m not privy to any of the new CY 2025 plans yet - so that fan may not be fully hit until we see them beginning about the beginning of October.  

[mm54383889]

UHC is pulling out of certain zip codes (as far as MAPD is concerned) in FL as well.

[JPWhiteHome]

My understanding is that CIGNA is selling their entire Medicare business Traditional and advantage and focusing on commercial only. The changes you are seeing maybe in CIGNA's name but probably in conjunction with the new owner of the plans.

Several insurers are pulling out of advantage in certain geographic areas, it's not just a CIGNA thing. I believe the rationale is that certain locations are unprofitable. last I heard UHC are the only major insurer to NOT announce such advantage pullouts, though I suppose it may still happen.

Yes CMS has given an extra money to suppress rate increases. It's not stated as due to this being election year, and I don't believe they will ever admit to the same, but none of us were born yesterday.

[mm54383889]

See above...they are (UHC) pulling out of certain zip codes in FL for 2025.

[GailL1]

@JPWhiteHome 

This is where I read about CIGNA changes and it does describe the other CIGNA Medicare plan changes which were announced back in Jan. 2024.  I believe Health Care Service Corp (HCSC) is a Blue Cross/Blue Shield carrier.

FierceHealthCare.com - 09/20/2024- Cigna trims Medicare Advantage plans in eight states 

[GailL1]

@Tonster521 wrote:

 If you are single, you are contributing to married folks.

++++++++++++++++++++++

@Tonster521  - While I agree with your explanation of insurance for the most part - that it is a “what if” plan and for the Medicare and Social Security programs we pay into it as a pool for those vested into the programs.

However, in speaking about the Social Security (and Medicare) program of Disability - I think the program has a problem that needs to be part of the discussion on how to fix the program(s) and their shortfalls.

Many of the legislated rules on the Social Security programs - including Medicare - were based on a time when societal norms were different.  So for the “Stay-At-Home-Spouse”. we modified some of the program rules to help cover them in the event of a tragedy.  We added the benefits but we failed to add the added contributions which should be part of the equation.  

Also, we didn’t add the benefit coverage for the Stay-At-Home-Spouse to the Social Security Disability program.  So they are not covered for this important coverage - not by the rules and not by the contributions YET they have value in what they do and a disability for that Stay-At-Home-Spouse is just as important as them getting Medicare or a Social Security Retirement or Survivors benefit.

Insurance that is directed to a person’s wellbeing (as differing from an object) in case of a “what if” scenario is based on the (1) person : (1) benefit premise.  We need to follow that premise into these public programs and include all of these programs.  

[jcgc50]

 I don't have enough information about the legislation to know if it is well designed or not and, of course, it is the product of what passes for compromise today when you have one party that doesn't want to provide this type of benefit to begin with.

Picking a plan is highly subjective and dependent on the meds you take, their cost and your ability to pay.

I currently have a plan which has a zero dollar premium. I use two meds that would cost around $600 per month each and a couple that cost next to nothing. In fact my wife and several friends also use this plan with Wellcare.

Using Medicare's comparison tool with the meds I use this plan cost me the least per year out of pocket including the cost of the meds plus premium. It will probably not be the case this coming year. I haven't looked yet.

Over the years I've paid as much as $43 per month but generally well below that. So, I'm not sure what I'm missing but I'm not seeing these seemingly "outrageous" costs and without knowing the meds involved and premium there is no way to comment intelligently.

[GailL1]

@tjbitt 

But look at the new stuff in the 2025 Part D Prescription Drug plans you are getting for your money.  For the price you are paying you have a plan that has more benefits- CMS calls them an enhanced plan.

Enhanced plans charge higher monthly premiums than basic plans but typically offer a wider range of benefits. For instance, these plans may not have a deductible, may provide extra coverage , and may have a broader formulary. Some of these plans may also cover excluded drugs.

Lots of changes to the Part D Prescription Drug Plans for 2025 plans.  Review them and Shop for your best benefit.

[tjbitt]

Yep, I've looked and compared plans. My AARP UHC plan serves me a higher premium for 2025 but I get no other benefit than what I am currently receiving.. Plan has tripled in price from 2023 to 2025. Drug costs haven't tripled in price during that time.