Medigap Rate Comparison
Compare monthly premiums across all major carriers in your state. Filter by plan, age, and gender. See total annual cost including Part B and Part D.
🎯 Based on your Crossroads assessment, Original Medicare + Medigap looks like your best fit. Here are the rates available in your area.
ℹ️ Total cost shown includes: Medicare Part B premium ($185/mo) + Medigap plan premium + Standalone Part D (~$42/mo avg) + estimated cost-sharing.
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| Carrier | Rate Type | Monthly Premium | Annual Medigap |
Total Yr 1
w/ Part B + D
|
5-Yr Total
w/ Part B + D
|
AM Best |
|---|---|---|---|---|---|---|
| Loading rates… | ||||||
Understanding Rate Types
This is the single most important factor in long-term Medigap cost — more important than the first-year premium.
🟢 Community-Rated
Same premium for everyone, regardless of age. Premium rises only with medical inflation — not because you get older. Best long-term value if you stay enrolled for many years. Example: AARP/UnitedHealthcare.
🟡 Issue-Age
Premium is locked at your enrollment age. Doesn't increase just because you get older — only rises with inflation. Moderate long-term risk — better than attained-age if you enroll young. Examples: Anthem BCBS, Medico.
🔴 Attained-Age
Starts lowest, increases every year as you age. By 75–80, often exceeds community-rated premiums significantly. Highest long-term cost. Examples: Mutual of Omaha, Cigna, Humana, Aetna, Humana.
Rate Trend Assumptions
How premiums grow over time depends on rate type. The 5-year and 10-year totals above use these assumptions:
| Rate Type | Annual Increase | Driver |
|---|---|---|
| 🟢 Community-Rated | ~3%/yr | Medical inflation only. No age component. |
| 🟡 Issue-Age | ~4%/yr | Medical inflation only. Age locked at enrollment. |
| 🔴 Attained-Age | ~6%/yr | Medical inflation + annual age-based step increases. |
* Projections are estimates based on historical NAIC trend data and CMS actuarial assumptions. Actual increases vary by carrier and state.
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