Where is the BEST source for investigating Your Medigap Premium Increase

[GailL1]

For Medicare Supplemental plans, regardless of the insurer - your premiums can increase due to several different factors - some are policy specific (#1 & #2), others are based on market, usage and legal requirements (#3). 

1. The (YOUR) Explanation of Coverage - this will explain any declining discount schedules and set amounts of increases, if applicable based on the policy.  This is the contract with the insurer.

2. How your Medigap plan is rated - 

• Community Rated
• Attained Age
• Issue Age

3. The (Your) State Dept of Insurance cause in most states, the state received the info for the premium increase from the insurance companies like amount of claims (amount paid out), amount of premiums paid in, and amount that is kept in reserve per the law and their forward looking requirements that may already be in the pipeline.  

Do these increases all have to happen at the same time?  NO

•  (#1 & #2 ) goes by your specific data - your Medigap insurance anniversary and/or your age.
•  (#3)  USUALLY, market, usage or reserve increases happen once a year but if something occurs that is detrimental to the plans ability to pay claims, there could be another within a year but again, any increase of this type would need to go thru the state’s dept of insurance.