Medigap price hikes surge, leaving seniors with few affordable options
Medigap premiums are rising sharply across major insurers, with 2026 plan filings showing Plan G increases from roughly 12% to 26% and some policyholders hit by abrupt, double-digit jumps (including a 45% jump that affected dozens of clients). Brokers say higher costs are driven by more medical use, aging beneficiaries, and higher claims. Options to manage costs include choosing plans with deductibles, moving to Medicare Advantage (which has out‑of‑pocket caps but network limits), or using state birthday rules to switch plans; Congress’ ability to cap out-of-pocket costs remains uncertain.
