Rates increase based on a few different factors. Every year you get older, the rates increase by roughly 3 – 7%. On top of that, the insurance company may need to increase rates for everyone enrolled based on overall medical claims. In addition, each year Original Medicare covers a little bit less. Since the government is paying less, the supplement plan needs to cover more to leave you with no cost. This increases the price slightly. Insurance companies cannot single you out and increase your rate because you use the plan more than others. It is important to enroll in a Medicare Supplement insurance company with a healthy and large population of enrolled members. If your Medicare Supplement plan is too expensive, there are plenty of options to reduce your monthly premium. To learn more, click here.