CSG Actuarial’s January through August 2026 review of about 780 Medicare Supplement filings, covering more than 100 carriers, found an average increase of about 15%, a median around 14.5%, and about one in five filings at 20% or higher. Plans G, F, and N sat in the 15 to 17% range. A national average is not that household’s premium.

Medigap clients do not get an ANOC. They get a rate letter and a new draft. They pay, they like their doctors, and they rarely call. That quiet book is where silent attrition happens.

This episode explains how to turn those rate letters into review appointments before the anniversary, without quoting 15% as the client’s new premium.

🔑 Key Topics Covered

• 2026 Medigap rate filings
• Why G, F, and N are taking the larger increases
• Rate letter versus ANOC
• Retention before the anniversary

🎯 What This Means for Agents

• Pull every G, F, and N renewal in the next 90 days
• Do not quote a national average as their premium
• Compare same-letter options allowed in that state
• Call before the draft hits, not after the complaint that never comes

🔗 Sources

CSG Actuarial
https://www.csgactuarial.com/news/medicare-supplement-rate-increases-what-the-market-has-shown-throughout-2026

ValuePenguin
https://www.valuepenguin.com/best-medicare-supplement-plans

📌 GO-DO: Book Medigap Reviews

Identify every Medicare Supplement client with a renewal in the next 90 days, G, F, and N first. Send one compliant heads-up asking them to book a 20-minute review before the anniversary. Bring their rate letter. Put same-letter options on the table. Confirm state replacement and underwriting rules before you promise a move.

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Slides: https://www.psmbrokerage.com/hubfs/The%20Insurance%20Producers%20Guild/IPG_EP25_Slides-1.pdf

Learn more: https://www.psmbrokerage.com

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