Medigap
Medigap Rate Increase History by State
How much have Medicare Supplement carriers raised base rates each year? Pick a state to see approved rate changes for Plan G, Plan N, and High-Deductible G by carrier.
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Request a broker →Illustrative preview — pending SERFF verification
The Texas dataset currently shown is seed data compiled from generalized filing summaries — it has not been reconciled row-by-row against each carrier's actual SERFF filing, and it does not yet reflect mid-year filings (April 1, July 1, October 1). We are rebuilding this from verified SERFF filings for TX, FL, and AZ before adding any additional states. Treat the current numbers as directional only.
Available now
Pick a state to see approved base-rate changes by carrier. A carrier filter is available on each state page once opened.
Looking for market share? See the nationwide top Medigap carriers by covered lives (2024) — UnitedHealthcare / AARP leads at ~31%.
View market shareComing soon
These states are on the roadmap. We compile approved base-rate changes state-by-state from each carrier's SERFF filings, so we release each one after review.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Michigan
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wyoming
Waiver states (excluded)
Massachusetts, Minnesota, and Wisconsin use their own state-standardized Medigap plan designs. Their filings are not directly comparable to the federal Plan G / N / HDG framework, so they are excluded from this report.
- Massachusetts
- Minnesota
- Wisconsin
Methodology
Figures reflect the approved base-rate change filed by each carrier with the state Department of Insurance for individual (non-group) standardized Medigap plans. Percentages are the annual change to the underlying rate table for a representative 65-year-old non-tobacco applicant in the state's largest metro rating area.
Individual policyholders may experience a different change based on attained age, area, renewal timing, and any applicable discounts (household, multi-policy, EFT bank draft, loyalty, etc.). Historical increases do not predict future increases.
Frequently asked questions
How much do Medigap rates go up each year?
Approved Medicare Supplement base-rate increases typically range from 3% to 12% per year for Plan G, Plan N, and High-Deductible G. Actual filings vary by carrier, state, and rating area.
Base-rate increase vs attained-age increase — what's the difference?
A base-rate increase is the change a carrier files with the state that shifts the entire rate table. It is separate from the attained-age increase a policyholder sees on each birthday. Both apply on renewal.
Why are MA, MN, and WI excluded?
Those three waiver states use their own state-standardized plan designs instead of the federal Plan A–N framework, so filings are not comparable to Plan G, Plan N, or High-Deductible G.
Where does the data come from?
Approved percentages come from SERFF public rate filings and state Department of Insurance records. Modeled points are labeled and use carrier trend plus peer filings when a filing is not yet public.
Which states are available right now?
Texas is live with 2022–2026 approved base-rate history for roughly 26 carriers. Additional states are being compiled from SERFF filings.