Illinois Medigap rate history
What Medicare Supplement carriers have filed in Illinois, what those filings say about renewal increases, and which figures we have been able to confirm against the public record.
Birthday rule — 45 days, ages 65–75, same insurer
Narrower than most, in two ways worth knowing before you plan around it. The 45-day window from your birthday is open only to policyholders aged 65 through 75, and it lets you move to a policy of equal or lesser benefits with the same insurer — not to a different company. Inside it, the insurer cannot decline you or price you on your health.
At a glance
- State
- Illinois (IL)
- Plan set
- Federal Plans A–N
- Switching rule
- Birthday rule — 45 days, ages 65–75, same insurer
- We are licensed here
- Not currently
Plans we track in Illinois
Plan G in IL
The most comprehensive plan still open to new enrollees.
Plan N in IL
Lower premium than Plan G, with small copays at the point of care.
Reading a rate increase in Illinois
Three things decide what happens to your premium over time, and only one of them is the carrier’s logo.
- The block, not the brand. An increase applies to one closed or open block of policies in Illinois. A carrier can hold rates on a growing block and push hard on an older one at the same time.
- The rating method. Attained-age policies build an age increase into every renewal on top of any filed rate action. Issue-age and community-rated policies do not. Comparing an attained-age premium to a community-rated one at 65 tells you almost nothing about age 78.
- Whether you can leave. Narrower than most, in two ways worth knowing before you plan around it. The 45-day window from your birthday is open only to policyholders aged 65 through 75, and it lets you move to a policy of equal or lesser benefits with the same insurer — not to a different company. Inside it, the insurer cannot decline you or price you on your health.
For a carrier’s overall financial condition, the useful public source is the NAIC’s consumer information, not a rate-history table. We report what was filed; we do not grade companies.
Why there are no premiums on this page yet
We publish a premium or a rate increase only after we have found the carrier’s filing in the state’s public records and linked to it on the page. Until that check is done for this plan and state, we show you the structure of what we track and leave the numbers off. A number without a source is worse than no number.