No carrier is required to disclose rate history publicly, but you can ask any Utah Medigap insurer for their rate increase history going back several years. Comparing that history across carriers is one of the smarter moves you can make before enrolling.
Rate stability is one of the most important things to look for in a Medigap plan, and it's also one of the hardest to measure. Carriers aren't required to publish their rate increase histories in a simple format, but you can ask directly. A good independent agent can pull historical rate data for Utah and show you how different carriers have behaved over time.In Utah, carriers offering Medigap include SelectHealth, Regence BlueCross, UHC, Humana, Aetna, and others. Some have local market history stretching back decades. Others are newer entrants with shorter track records. Newer doesn't mean worse, but less history means less data to work with.A few things affect how rates move: the size of the carrier's Medigap pool in Utah, how they price policies (attained-age vs. issue-age vs. community-rated pricing), and how claims costs trend in your zip code. Community-rated plans charge everyone the same regardless of age, which often means lower increases over time for older enrollees.The honest answer is that no carrier can guarantee stable increases forever. What you're looking for is a pattern of reasonable, predictable adjustments rather than sudden jumps. Plan details and pricing change annually, so it's worth reviewing this before you enroll and again each year.
In Utah, SelectHealth and Regence BlueCross have long-standing Medigap histories in the state. An independent agent familiar with Utah's market can pull multi-year rate increase data for local carriers and compare them side by side. That kind of comparison is free and takes about 20 minutes.
For you, this means asking to see rate increase history before you pick a Medigap carrier is just as important as comparing current premiums. A plan that's cheap today but raises rates sharply every year may cost you more in the long run.
Our Commitment to Reliable Medicare Information
At Resting Sycamore Advisors, we work to provide accurate, current, and trustworthy information about Medicare Advantage, Medicare Part D, and Special Needs Plans.
To do that, we use data published by the Centers for Medicare & Medicaid Services (CMS), which is the official source for Medicare plan and enrollment information.
Our Medicare plan pages and comparison tools are powered by CMS datasets, including:
When possible, we link to the original CMS resources so you can review the source material directly.
We follow the CMS release schedule and update our website as new data becomes available.
We load new plan year Landscape and PBP files before the Medicare Annual Enrollment Period (October 15 through December 7). We also monitor CMS.gov for updates or revisions and refresh our content when needed.
We update enrollment and performance data as CMS publishes revised files, which are typically released monthly or quarterly.
We routinely monitor CMS announcements for corrections, reissued files, or other changes and update our pages accordingly.
Each plan page includes a Last Accessed date so visitors can see when the source information was most recently reviewed.
CMS data can be difficult to read in raw form. To make it easier to use, we format and organize the data for clarity.
This includes:
All data values come from CMS. We do not change the underlying values beyond formatting, organization, and presentation.
We keep internal records of the CMS dataset versions used on our site.
If CMS issues corrected or revised files, we update our website to reflect the latest available version.
Please keep the following in mind:
For personalized Medicare assistance, please use these official resources: