Kentucky Medigap rate history
What Medicare Supplement carriers have filed in Kentucky, what those filings say about renewal increases, and which figures we have been able to confirm against the public record.
Birthday rule — 60 days
Kentucky runs a birthday rule, not an anniversary rule. Applicants get an annual open enrollment period within 60 days of their birthday in which to switch insurers for the plan they already hold, with guaranteed issue and no pricing based on health status.
At a glance
- State
- Kentucky (KY)
- Plan set
- Federal Plans A–N
- Switching rule
- Birthday rule — 60 days
- We are licensed here
- Not currently
Plans we track in Kentucky
Plan G in KY
The most comprehensive plan still open to new enrollees.
Plan N in KY
Lower premium than Plan G, with small copays at the point of care.
Reading a rate increase in Kentucky
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 Kentucky. 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. Kentucky runs a birthday rule, not an anniversary rule. Applicants get an annual open enrollment period within 60 days of their birthday in which to switch insurers for the plan they already hold, with guaranteed issue and no pricing based on health status.
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.