Medicare Supplement Rate Increases: What the Market Has Shown Throughout 2026

Looking at the rate increases submitted from January through August 2026 — covering roughly 780 individual company-state-plan adjustments, more than 100 carriers, nearly every state and jurisdiction — a fairly consistent pattern has continued: rate increases are running meaningfully higher than they have in recent memory, though with wide variation underneath the average.

Across all factors reviewed so far this year, the average rate increase has been about 15%, with a median right around 14.5%, while roughly one in five came in at 20% or higher.

Not all plans are moving the same way

Rate pressure isn't evenly distributed across plan types. Plans G, F, and N — the higher-utilization, richer-benefit plans that make up the bulk of in-force Medigap business — have carried the largest average increases, in the 15-17% range. By contrast, plans like HDG, K, and F (High) have trended noticeably lower, averaging roughly 7-11% That gap likely reflects underlying differences in claims exposure: richer plans absorb more medical trend and utilization, so they need larger rate adjustments to keep pace, while leaner, higher-cost-sharing plans are less exposed to that same pressure.

*Figures above are based on the CSG Actuarial monthly Rate Change Reports from January 2026 to August of 2026.