Is there a Medigap Plan company with a non-increasing premium? I heard Blue Cross/Blue Shield Offers this. If so, how expensive is it?

Question

Mike Alexander · Accepted Answer

No all mefi gap plans increase d ue to medical  claims and age. Some plans have rate guarantees for limited times, but ask will increase over time

Daniel Brechin · Answer

No,  there is not, or at least one exists in the  30 States I am licensed in.  That is why Medicare Supplements members have a great price ex 200.00 premium plus a 65.00 dollar prescription program.  Each will increase by 8-10% increase based on the company's cost.  
Daniel Brechin 
Contact me.

Norman Smith · Answer

No. All private companies are going to be affected by risk and inflation. 
But you want to try a find a company that issues an INDIVIDUAL policy, not a Group policy. Why should have to be subject to the spread pricing of the costs of the group, if you are a healthy person and the rest of the group is a higher risk than you? Also, if you can find an ISSUE AGE policy provider, that will make a difference as well.
Beyond that, pricing will react to the risks and the inflation that the carrier is subject to.

George Ibanez · Answer

There is no Medigap plan, including BCBS and all Medigap plans will raise your premium a minimum of once per year , and some of them like Mutual of Omaha even twice per year in certain states.

Mark Maliwauki · Answer

To my knowledge, Medigap companies cannot guarantee their premiums will not increase. They can guaranteed that they will be renewable i.e. not dropped due to health issues, there isn't a single policy provider who can or would claim no future increases in premium. Nobody knows how the landscape of Medicare is going to change from year to year.

Answered by Mark Maliwauki on April 13, 2026

Broker Licensed in ID, AZ, CA & 13 other states

Answered by Mark Maliwauki Medicare Insurance Agent

Tony Capraro III · Answer

Hey, folks. Medicare agents heard the Tony Capraro State Farm Cafaro agency, Kelly Street in Manchester. You have questions? We have the answers. Is there a Medigap plan company with a non-increasing premium? Good question. I've been doing it for the last two decades, helping all of our clients with Medicare planning, whether it's a Medigap, Medicare supplement policy, or a Medicare Advantage plan. I have not heard or seen of a Medigap plan company with a non-increasing premium each and every year. The premiums increase a little bit. You can get on Medicare.gov and check out all the companies that offer Medigap plans. Medicare supplement and you'll see that state from the company. I represent is always in the top three as far as competitive rates without major increases. Every year I work with someone like myself who can offer you both Medicare and Medicare supplement or Medicare Advantage and has no leanings toward one or the other. It's based on your goals and objectives and what works for you and your family. Let me give you the great advice and information so that you can make a great decision with Medicare. Don't leave it to chance. Don't put it off. It's a very important decision and I can help you with that. Or any of the talented folks on Medicare. Agents hub can do the same. Thank you.

Lynn C Shurtleff · Answer

I the 16+ years I have been an independent agent, I have never heard of or come across a Medigap that has a non-increasing premium. I doubt this is the case in your area because over time it would be cost prohibited for the company to continue such a plan. Rising medical costs and an aging population using the coverage is what dictates the increases.

Answered by Lynn C Shurtleff on October 22, 2025

Broker Licensed in TN, AR, CO & 6 other states

Answered by Lynn C Shurtleff Medicare Insurance Agent

Mark Garrett · Answer

In my experience I have never seen a company that does not have a true Medigap plan that does not have premium increases at least every couple of years. The reason you use me is to be the expert that knows which companies have the least amount and frequency of increases.

Answered by Mark Garrett on October 21, 2025

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

Answered by Mark Garrett Medicare Insurance Agent

Andrew Zurbuch, MBA · Answer

No, even Issue Age & Community Age rated Medicare Supplement insurance policies are not guaranteed to increase in premiums. Please use a Broker for assistance. Plan G & Plan N are good choices. Although it depends where you live. Thank you.

Answered by Andrew Zurbuch, MBA on April 15, 2026

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

Answered by Andrew Zurbuch, MBA Medicare Insurance Agent

Cleo Martin · Answer

As far as I know, there's not a Medigap company that does not increase their premium. The reason they do it is one of the things you get a year older into, because they change the deductibles and Medicare. Each year, the companies have the ability to raise the premiums based on just the fact that they change their deductibles and Medicare. I hope that answers your question.

The Blue Cross Blue Shield policy you're talking about with an increase in premium is probably Medicare Advantage, which is different than a Medigap policy. Have a great day!

The Blue Cross Blue Shield policy you're talking about with an increase in premium is probably Medicare Advantage, which is different than a Medigap policy. Have a great day!

Juan Beraldi · Answer

All Medicare supplemental plans undergo annual premium increases as individuals age. Premiums are determined by factors such as gender, age, out-of-pocket expenses, and state of residence.

Nickey Baxter · Answer

I'm sorry to say there are no Medigap Plans that don't have increasing premiums. They all have rate increases based on age bands, and rate increases based on claims for the entire group on that plan.

Shrutep Amin · Answer

There isn’t a widely-available Blue Cross Blue Shield Medigap plan that guarantees non-increasing premiums forever. Premiums vary by state, age, gender, rating class and can go up over time.

Curtis McCall · Answer

Yes — and it comes down to how the plan is rated.

There are three ways Medigap insurance companies price their premiums. Understanding the difference is one of the most important things a Medicare beneficiary can know.

Issue-Age Rated:

Your premium is based on your age at the time you first bought the policy. It will not increase as you get older, but it can still go up due to inflation.

Some Blue Cross Blue Shield plans use community rating — meaning your premium does not increase simply because you age. However, this varies significantly by state and by BCBS affiliate since BCBS is not one single national company — it is a network of independent regional companies.
In Nevada specifically, you would want to verify which BCBS affiliate operates in your area and whether it offers community-rated Medigap plans.

Maureen Wark · Answer

I don't believe any Medicare Supplement plans would continue without any premium increases.  
Blue Cross and other insurance companies have increases.

Marsha Morris · Answer

In my 35 years of experience, premiums were adjusted down approx. $1 a month in 2004.  Even when premiums are not attained age, the annual adjustment usually increases.

Meghan Blankenship · Answer

No Medigap plan company, including Blue Cross Blue Shield, offers a premium that never increases. Premiums typically rise over time due to factors like risk and inflation. Blue Cross Blue Shield does offer reputable Medigap plans, but their premiums generally increase annually based on age and other factors. The cost varies widely, averaging around $189 per month at age 65, but can range from about $60 to over $350 depending on plan type and location.

Answered by Meghan Blankenship on November 17, 2025

Broker Licensed in FL, MD & OH

Answered by Meghan Blankenship Medicare Insurance Agent

Andrew Kelly · Answer

The premium cost for Medigap Plan's is based on how the state manages premiums. Many states offer a consistent price regardless of age. Other companies grow their Medicare premium costs based actual age. Medigap companies also can petition the state insurance commissioner to increase their premium price if they have an actual documentable cost increase.

Answered by Andrew Kelly on October 22, 2025

Agent Licensed in WA & OR

Answered by Andrew Kelly Medicare Insurance Agent

Jaye Maxx Alexander II · Answer

Greetings there are three companies that  Iam contracted with that have the product you are looking for and this is not the proper fourm to review  your request .

Ken Banks · Answer

Unfortunately not. Medigap plans goes up every year but it's good to shop around unless you have certain health conditions, I would advise not to.

Mark Murphy · Answer

I've been doing Medicare for over 20 years and have never seen a plan that didn't increase every year. I have clients in Blue Cross/Blue Shield and their rates increase every year. Good luck in your pursuit.

Answered by Mark Murphy on March 23, 2026

Agent Licensed in NJ, AL, CO & 9 other states

Answered by Mark Murphy Medicare Insurance Agent

Nora Alishahi · Answer

Plans and details depends always on your state of residence. Minimal variations may apply , almost always there are minimal adjustments to yearly premiums

Robin Duffey · Answer

All Medigap plans increase premiums yearly or every two years or so.  In 2026 there will be an increase to most plans from 8-12%.

Lori Marion` · Answer

All supplements or Mefi-gap plans will increase in premium, although they may use different metrics increase at different rates. When selecting a plan, we can use rate history of each available plan to make a selection that makes sense for you.

Answered by Lori Marion` on April 13, 2026

Agent Licensed in MS, AL, AR & 17 other states

Answered by Lori Marion` Medicare Insurance Agent

Ana V. Magalhaes · Answer

Hi,  annually there is a review of premium's pricing by Medigap Plan insurance companies. Look up for the notice the company must send annually, so you can check and compare what other insurance companies are offering for same plan. I cannot speak for BCBS - call them and ask.
Be well.

Is there a Medigap Plan company with a non-increasing premium? I heard Blue Cross/Blue Shield Offers this. If so, how expensive is it?

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Is there a Medigap Plan company with a non-increasing premium? I heard Blue Cross/Blue Shield Offers this. If so, how expensive is it?

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