General Discussion

Bluetus

(2,281 posts)

17. I appreciate your information, but here is where we disagree:

Tue Dec 30, 2025, 09:09 AM

Dec 30

"The underwriting trap, as you call it, isn't really a trap. It is a necessary part of keeping rates lower "

IOW, if they screw enough people, they can lower rates for other people.

That is not insurance, and certainly is not how HEALTH CARE should work. OK, if you are selling car insurance, there is a reasonable argument for charging a high rate if I get a bunch of speeding tickets. That is a problem of my own making. If I get Parkinsons, or have a stroke, you are saying I should pay more to provide lower rates for those who had better luck? That is just wrong, and I don't think we are going to agree on that.

There should be no underwriting -- EVER. If private insurance companies can't deal with that, then let's go with an entirely public system.

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United Healthcare Supplemental Insurance Rates [View all] redstatebluegirl Dec 29 OP

Can't help you with United HC, but fwiw ariadne0614 Dec 29 #1

I'm still at $160 through USAA NameAlreadyTaken Dec 30 #12

My Mutual of Omaha Plan G went from $251 to $305. GoodRaisin Dec 30 #15

It's partially determined by the state you reside in. ariadne0614 Dec 30 #16

Seems the fees are still in progress for various companies. NewHendoLib Dec 29 #2

About a 25% increase in a BCBS traditional, non-medicare advantage, non-supplemental plan. LuckyCharms Dec 29 #3

It is time for Medicare to offer a Supplemental tier at actual cost Bluetus Dec 29 #4

A first step is just education - you are choosing a supplement plan for life. Ms. Toad Dec 29 #7

It is not always "for life" Bluetus Dec 29 #8

The states in which you can switch (outside of the first 6 months) are very few. Ms. Toad Dec 29 #9

I get what you are saying, but I don't trust any HC corporation to not screw me at every opportunity Bluetus Dec 29 #11

You can't determine everything, since the COLA is tied to unpredictable increases in prices - BUT Ms. Toad Dec 30 #14

I appreciate your information, but here is where we disagree: Bluetus Dec 30 #17

We also should not need an MBA and law degree redstatebluegirl Monday #19

Agree completely NameAlreadyTaken Dec 30 #13

Thanks everyone. redstatebluegirl Dec 29 #5

It will depend on the plan you purchased, and on where you are in losing your purchase discount. Ms. Toad Dec 29 #6

I just found out mine just went up 46%. redstatebluegirl Monday #20

Do you know how much was age-related, Ms. Toad Monday #21

I do not know. redstatebluegirl Monday #22

That's my experience - Ms. Toad Monday #23

If we live that long... redstatebluegirl Monday #24

we have the UHC/AARP supplemental RussBLib Dec 29 #10

I just got notice that my supplemental plan is going up redstatebluegirl Monday #18