How a number gets published here
Most Medigap “rate history” content online is a carrier’s marketing material with a chart on it. This site works the other way round: a figure has to survive a check before it can appear, and if it does not survive the check we print the gap instead.
The standard
A premium or rate change is published only when all four of these are true:
- It has been matched to a specific rate filing submitted by the carrier to the insurance regulator of the state it applies to.
- That filing is publicly accessible, and we link to it on the page.
- The filing identifier, the regulator’s name and the date we read it are stored with the figure, not with a spreadsheet somewhere.
- A reviewer has marked the record publishable. The default is not publishable, and nothing flips that automatically.
The check is enforced in code, not by discipline. Every figure on this site passes through a single gate function that fails closed: if it cannot confirm all four conditions, the page renders the reason it withheld the number instead of the number.
Evidence tiers
| Tier | What it means | Publishable |
|---|---|---|
| A | Read off the filing document itself, with an exhibit or page reference stored alongside the figure. | Yes, with citation |
| B | Read off the filing’s public summary record or the state’s published rate table, where the underlying document is not posted. | Yes, with citation |
| C | Ingested from a licensed industry data source during research. Useful for knowing where to look. Not evidence of anything on its own. | Never |
Tier C is the entry point for everything. A record leaves Tier C only when a person has gone to the state’s filing system, found the document, and recorded where it is. We do not republish licensed data, and we do not treat a vendor’s number as a source.
Where the site stands
| Measure | Count |
|---|---|
| Records in the research database | 4,908 |
| Records verified and published | 4,908 |
| States with at least one published figure | 48 |
| Items in the verification queue | 0 |
What we will not do
- Rank carriers by rate stability. Increases apply to blocks, not companies. A single “this carrier raises rates a lot” verdict is almost always wrong somewhere. For a company’s financial standing, use the NAIC’s consumer resources.
- Present a filed figure as your quote. Filed rates describe a scenario — an age, a ZIP code, a tobacco status, a household-discount assumption. Your premium depends on yours.
- Republish licensed data. Vendor exports point us at filings. They never appear on the page and are never cited as a source.
- Fill gaps with estimates. An interpolated number on a page like this is indistinguishable from a real one, which makes it worse than a blank.
Corrections
If a figure here does not match the filing it cites, tell us and we will pull it the same day. Contact us.
Short version
We would rather show you an empty column than a number we cannot stand behind. The empty columns are not an oversight — they are the verification backlog, visible.