I'm healthy and barely use my coverage, but I'm still paying more every year. Why isn't there a discount for people like me?

Answered by 14 licensed agents

Everyone has options to help with cost. We can evaluate your current cost and do a comparison to see what are the best options.

Answered by Valentina Gatewood on April 15, 2025

Broker Licensed in CA, AZ, ID & NJ

Answered by Valentina Gatewood Medicare Insurance Agent
There are plans out there that will help pay for your Medicare part B. Call me and lets look at those options for you?

Answered by Misty Bolt on May 12, 2025

Agent Licensed in TN, AL, AR & 45 other states

Answered by Misty Bolt Medicare Insurance Agent
It is very frustrating when your prms increase, but you don't use your coverage much because you are healthier than others. However, premiums are not just based on your coverage usage or your health.

Premiums can be increased over time because of several factors, including:

1) Risk Pooling - premiums of many individuals, both healthy and unhealthy, are pooled together to cover the healthcare costs of everyone in the group.

2) Rising healthcare costs, inflation, and administrative costs.

Discounts for healthy people are not allowed because of adverse selection. Insurance companies are not allowed to discriminate or offer extra benefits to anyone.

Answered by Diana Garner on May 27, 2025

Broker Licensed in KY, FL, IN, OH & TN

Answered by Diana Garner Medicare Insurance Agent
Your cost is based on several factors such as administrative costs, risk costs, etc and the need to cover the costs of those who n do require extensive medical care. Even the healthy Medicare members contribute to the pool to ensure that those who need more care can receive it.

Answered by Dionisio Guillermo on May 30, 2025

Agent Licensed in HI

Answered by Dionisio Guillermo Medicare Insurance Agent
The reasons behind increasing health insurance premiums, even for those who are healthy and rarely use their coverage, are complex. Several factors contribute to these rising costs.

Risk Pooling: Health insurance operates on the principle of risk pooling. This means that the premiums paid by all insured individuals contribute to a fund that covers the healthcare expenses of those who need it. Healthy individuals subsidize the costs for those who are less healthy.

Community Rating: The Affordable Care Act (ACA) requires community rating. This means that insurance companies generally cannot charge individuals different premiums based on their health status or pre-existing conditions.

Age: Age is a factor in determining premiums. Older individuals generally pay more because they are statistically more likely to have health issues and require more healthcare services.

Inflation and Healthcare Costs: Healthcare costs have consistently increased due to factors like the rising prices of medical services, prescription drugs, and technology.

Coverage and Benefits: The scope of coverage and the benefits offered by a health insurance plan also affect the premium costs. Plans with more comprehensive benefits tend to have higher premiums.

Cost-Sharing: Plans have cost-sharing features like deductibles, copayments, and coinsurance. These require the insured to pay a portion of their healthcare costs, which affects the overall premium.

It's important to note that, while a healthy individual may feel they are subsidizing others, the system is designed to spread risk and ensure access to care for everyone.

Answered by Fred Manas on May 14, 2025

Agent Licensed in NY, CT, DC & 7 other states

Answered by Fred Manas Medicare Insurance Agent
Insurance companies set pricing and they typically do it based on where you live. It's based on your ZIP code and your age. Way you can offset this is by looking at other alternative plans that are lower cost for supplement plans which I can help you with. And as long as you're healthy enough to pass the underwriting, you'll be able to get another plan. If you live in a state that has special rules where they cannot deny you coverage, we can look at that also

Give me a call at 737-530 -4626 pick option two. That is my direct number and if I'm busy leave a message and I'll call you back

Answered by Gary Henderson on April 10, 2025

Agent Licensed in TX, AK, AL & 46 other states

Answered by Gary Henderson Medicare Insurance Agent
Medicare doesn't give discounts to the healthy, unfortunately. Medicare has set regulations and rules and doesn't offer discounts. That would possibly make the system more complicated.

Answered by Suzanne Lamperti on April 16, 2025

Broker Licensed in MD

Answered by Suzanne Lamperti Medicare Insurance Agent
As far as Original Medicare Part B, the only way to reduce the monthly premium is to being eligible for L.I.S. (low income subsidy) or for Medicaid. Medicare Advantage covers parts A and B, prescription drugs and some additional benefits at no cost, for certain plans. Consult an agent.

Answered by Andre Cabral on April 16, 2025

Agent Licensed in NJ

Answered by Andre Cabral Medicare Insurance Agent
I am guessing you are on a Medicare Supplement? Unfortunately this is one of the downsides to this type of product. Here is my advice if you would have come to me....depending on the carrier you may be able to switch to a cheaper supplement without any issues. Second thing, if you are that healthy then start all over. Put in an application for a new G plan with a different carrier. If healthy then you can qualify. Then you would be starting all over with the prices and the increases.

Answered by Rachael Metcalf on April 10, 2025

Agent Licensed in TN, FL, GA & 5 other states

Answered by Rachael Metcalf Medicare Insurance Agent
The premiums are the premiums. An option would be to look at a lower cost plan that offers same or similar coverage as your current plan. An example would be the HDG plan or an Advantage plan assuming you are in an expensive Medigap Plan currently.

I explain all the options and risks both medically and financially so you can make an educared decision.

Answered by Robert Remin on May 19, 2025

Agent Licensed in NY, CT, FL & NJ

Answered by Robert Remin Medicare Insurance Agent
Can you share a bit more information? Are you saying you're paying more in premiums or copays? --- we probably would need a bit more information. But generally, if you're more in premiums, you're probably have a supplement plan. Carriers that offer supplement plans usually have rate increases every year. You may have some options at your disposal, but we would need additional information.

Answered by Ceranes Lejulus on April 10, 2025

Broker Licensed in FL, AL, AR & 19 other states

Answered by Ceranes Lejulus Medicare Insurance Agent
I completely understand how frustrating it feels to stay healthy, barely use your coverage, and still watch your costs go up year after year. As a licensed Medicare broker in New York, I can tell you that while Medicare doesn’t offer direct discounts for being healthy, there are quite a few programs available—especially in New York—that can help reduce your out-of-pocket costs. Many of them focus on lowering prescription (Part D) expenses, which can still make a big difference.

Whether you have a Medicare Supplement plan or a Medicare Advantage plan, it’s extremely important to work with a broker who takes the time to do a thorough comparison. I meet with clients every day who think they have a great plan—until we sit down and go over the details. That’s when the surprises start. Often, they’re shocked by what their current broker never told them, or just plain confused about the fine print.

If you have a few minutes, I’d love to do a no-cost, no-obligation comparison for you. It won’t cost you anything, and it might just save you a lot.

Give me a call anytime at 929-639-4663 — I’m here to help.

David Alelishvili

Answered by David Alelishvili on April 14, 2025

Broker Licensed in NY

Answered by David Alelishvili Medicare Insurance Agent
Yes you can get a plan that can save you money. If you call and speak to a licensed rep they can give you the information you need to make the best decision. For more information contact me.

Answered by Todd Poe on April 9, 2025

Agent Licensed in FL, AL, AZ & 30 other states

Answered by Todd Poe Medicare Insurance Agent
Supplements go up on everyone based on age, not health. Your other option would be to switch to a $0 premium MAPD.

Answered by Michael Claunch on April 28, 2025

Agent Licensed in TN

Answered by Michael Claunch Medicare Insurance Agent

Tags: The Medicare System

Agents: Share Your Expertise

Have insights or experiences related to this topic? Help others by sharing your knowledge and answering this question.

Seniors: Ask a Question of Your Own

Questions are generally answered within 1 to 3 business days. Receive valuable perspectives from multiple licensed agents and brokers.

Ask a Question