Utah insurers can use any of the three rating methods for Medigap premiums: community-rated, issue-age-rated, or attained-age-rated. Utah does not require all carriers to use the same method, so it varies by company.
These three terms describe how an insurance company decides what to charge you for a Medigap policy, and how that price might change over time.Community-rated means everyone in the plan pays the same premium regardless of age. A 65-year-old and a 75-year-old pay the same amount.Issue-age-rated means your premium is based on how old you are when you first buy the policy. It's locked to that starting age, so enrolling younger generally means a lower base rate that doesn't go up just because you get older, though it can still rise with inflation.Attained-age-rated means your premium is based on your current age and goes up as you get older. It often looks cheaper when you're 65, but the cost tends to climb significantly over time.In Utah, carriers are not required by state law to use one specific method, so different companies use different approaches. That makes comparison shopping important, because a plan that looks affordable at 65 under attained-age rating might become expensive in your 70s and 80s.When comparing Medigap options, it's worth asking each carrier which rating method they use. An independent agent can help you see how prices might look over a longer time horizon, not just at enrollment.
Utah carriers offering Medigap plans, including Regence BlueCross, SelectHealth, and others, may each use different rating methods. Asking specifically about the rating method before you enroll is a smart step, since it affects your long-term cost more than the starting premium alone.
For you, this means the cheapest Medigap plan today isn't always the most affordable one ten years from now, and knowing the rating method helps you make a more informed comparison.
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: