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?

Question

Valentina Gatewood · Accepted Answer

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

Gary Henderson · Answer

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

Andre Cabral · Answer

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

Suzanne Lamperti · Answer

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.

Rachael Metcalf · Answer

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

Ceranes Lejulus · Answer

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

Todd Poe · Answer

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.

David Alelishvili · Answer

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

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?

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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?

Agents: Share Your Expertise

Related Questions

Agent Locator

Medicare Agents HubA non-government resource website

Medicare Agents Hub
A non-government resource website