Medicare-Eligible Health Insurance Article

Comparing Medigap Premiums: Unraveling Attained-Age, Issue-Age, and Community Rated Plans

One significant aspect that impacts your Medigap coverage is how insurance companies determine your premium. There are three common rating methods: Attained-Age, Issue-Age, and Community Rated plans.

Each has its own implications on how your premium will be calculated over time. In this article, we’ll delve into the details of each rating system, helping you make an informed decision about the best Medigap policy for your needs. If you still have any doubts about this topic, you can read an article about it on at the following link: Medigap: Attained-Age Vs. Issue-Age Vs. Community Rated.

Attained - Age Rated Plans

The Attained-Age rated plan determines the premium based on your current age, causing it to increase as you grow older. In contrast, the Issue-Age rated plan sets the premium based on your age at the time of policy issuance, ensuring it remains constant as you age.

Community Rated Plans

Lastly, the Community rated plan charges the same premium for everyone enrolled in that specific plan, regardless of age. While inflation may cause premiums to rise in all plans, age is only a factor in the Attained-Age rated plan’s increase.

Understanding these rating methods can significantly impact your Medigap policy costs and long-term affordability. can help you compare costs and help you apply. If you need assistance feel free to call them at 800-930-7956.


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