Aetna Medicare Supplement Rate Increase History 2027: What to Expect

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 24, 2026

Key Takeaway

Aetna has raised Medicare Supplement rates by double digits in several states over the past few years, like most large companies. Your increase depends on your state, plan, age and pricing method, so compare before you renew.

If you just opened a letter from Aetna saying your Medicare Supplement premium is going up, you are not alone. Rates across the industry have climbed faster than usual since 2024. Here is what Aetna’s recent rate increase history looks like, why it happens and what you can do about it in 2027.

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Aetna Medicare Supplement Rate History at a Glance

Aetna Medicare Supplement rate increase history timeline: 2024 claims surge, 2025 larger filings, 2026 double-digit increases, 2027 compare yearly

Aetna, part of CVS Health, is one of the largest Medicare Supplement companies in the country. Its plans are issued through Aetna companies such as Aetna Health and Life Insurance Company, American Continental Insurance Company and Continental Life Insurance Company, depending on your state.

Like most big companies, Aetna kept increases fairly modest for years. Then claims rose sharply in 2024 as people used more care, and Aetna, Mutual of Omaha and UnitedHealthcare all filed larger increases to catch up. That trend carried into 2025 and 2026.

Good to know: A rate increase does not change your benefits. Your Plan G or Plan N covers exactly the same things after the increase as before.

Recent Aetna Rate Increases by State

State	Reported Aetna increase	What it means
South Dakota	About 19%	One of the larger recent Aetna increases
Maryland	About 16%	Double-digit increase
Pennsylvania	About 16%	Double-digit increase
Kentucky	About 14%	Double-digit increase

Reported 2026 increases from published broker summaries of state rate filings, mostly Plan G. Your actual change depends on your plan letter, age, rating area and policy date. Check your renewal letter or ask a licensed agent for the exact figure in your state.

Not every state saw increases this large, and some saw smaller changes. Your own increase is listed on the renewal notice Aetna mails before the new rate starts.

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Why Aetna Medicare Supplement Rates Go Up

Aetna Medicare Supplement attained-age pricing: premium rises with age from 65 to 73 plus yearly general increases

Aetna has to get every increase approved or filed with your state insurance department. The reasons it gives are the same ones every company uses:

Rising claims. When members use more care, the company pays more and asks for a higher rate.

Medical cost growth. Doctor, hospital and outpatient costs rise every year.

Your age. Most Aetna plans use attained-age pricing, so your premium goes up as you get older.

Aging policy groups. As a group of policyholders gets older, claims climb and rates follow.

For a deeper look at how increases work with every company, see our guide to Medicare Supplement rate increases.

How Aetna Prices Its Medicare Supplement Plans

Attained Age

✔Used in most states

✔Premium rises as you age

✔Plus yearly general increases

Household Discount

✔Available in many states

✔For two people in the same home

✔Amount varies by state

Where You Live

✔Rates are set by ZIP code or area

✔Same plan costs more in some areas

✔Tobacco users pay more

Because Aetna prices by attained age in most states, your premium has two ways to rise: the yearly general increase and your own birthday. Over 10 years, that combination can add up.

Still on Plan F? Increases tend to hit closed plans hardest. See what Medicare Supplement Plan F cost looks like in 2027 and when switching to Plan G saves money.

What Rate Increases Can Look Like Over 5 Years

One increase may not feel like much. The real cost shows up when increases stack year after year. Here is a simple example of a Plan G premium that starts at $150 a month and rises 8% each year.

Year 1

✔$150 a month

✔$1,800 a year

✔Your starting rate

Year 3

✔About $175 a month

✔About $2,100 a year

✔Up about $300 a year

Year 5

✔About $204 a month

✔About $2,450 a year

✔Up about $650 a year

Example only. It is not an Aetna quote or a prediction of future Aetna rates. Actual increases vary by state, plan, age and year.

This is why it pays to compare every year. If another company offers the same plan letter for less and you can pass its health questions, switching can reset your premium to a lower starting point.

Is Aetna's Rate History Good or Bad?

Aetna is not an outlier. Most large Medicare Supplement companies raised rates by double digits in at least some states over the past few years. What matters is how Aetna compares with other companies in your ZIP code right now.

✔

Aetna is financially strong and pays claims reliably

✔

Its starting price is often competitive, especially with the household discount

✔

Recent increases have been higher than in past years

✔

Results vary a lot by state, so local comparison is the only real test

Weighing Aetna against another big name? See how it stacks up in our Aetna vs Mutual of Omaha Medicare Supplement comparison.

What to Do When Your Aetna Rate Goes Up

What to do when your Aetna Medicare Supplement rate goes up: switch if cheaper and you qualify, or stay and consider Plan N or High-Deductible Plan G

Read your renewal letter. It shows your new premium and the date it starts.

Compare the same plan letter. Plan G is the same with every company, so only the price changes.

Check your switching rights. Some states, like California and Oregon, give you a yearly birthday window to switch without health questions.

Consider a lower-cost plan. Plan N or High-Deductible Plan G usually costs less than Plan G.

Keep your Aetna plan until you are approved. Never cancel before the new policy is in place.

How to Check Aetna's Rate History in Your State

Every Medicare Supplement rate change is filed with your state. You can look it up yourself or have an agent do it for you.

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Search your state insurance department’s website for Medicare Supplement rate filings

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Look up Aetna’s filings on the SERFF Filing Access site, which many states use

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Compare your last two or three renewal letters to see your own history

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Ask a licensed agent, who can see recent increases for several companies at once

Rate history is one of the best ways to judge a company before you buy. A plan that is cheapest today may not stay cheapest. Learn more about what drives Medicare Supplement plans cost in your area.

The Bottom Line

Aetna’s recent rate increases have been larger than in past years, like most big companies. You can’t stop an increase, but you can compare Aetna with other companies every year and switch when the same coverage costs less, and a licensed insurance agent can do that for you at no cost.

See if you can save on your Medicare Supplement plan

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Aetna Medicare Supplement Rate Increase History 2027 — Frequently Asked Questions

➤ Does Aetna raise Medicare Supplement rates every year?

Most Medicare Supplement companies, including Aetna, review rates once a year. Many Aetna policies are priced by attained age, so your premium can also rise as you get older.

➤ How much have Aetna Medicare Supplement rates gone up?

It depends on your state and plan. Recent reported Aetna increases have been in the double digits in several states, such as about 14% in Kentucky and about 16% in Maryland and Pennsylvania.

➤ Why did my Aetna Medicare Supplement premium go up?

Rates rise because medical costs and claims go up, because many Aetna plans are priced by your current age and because groups of policyholders get older over time.

➤ Who underwrites Aetna Medicare Supplement plans?

Aetna Medicare Supplement plans are issued by Aetna companies such as Aetna Health and Life Insurance Company, American Continental Insurance Company and Continental Life Insurance Company, depending on your state.

➤ Can I switch from Aetna if my rate goes up?

Yes. You can apply with another company at any time, but outside open enrollment you will usually have to answer health questions. Keep your Aetna plan until the new one is approved.

➤ Does Aetna offer a household discount?

Aetna offers a household discount in many states when two people in the same home have coverage. The amount and rules vary by state.

➤ Is Aetna a good Medicare Supplement company?

Aetna is a large, financially strong company with competitive prices in many areas. Its recent rate history has been higher than some years in the past, so compare it with other companies before you buy.

➤ Can a licensed agent check Aetna rates in my area?

Yes. A licensed insurance agent can compare Aetna with other companies in your ZIP code and look at recent rate history, at no cost to you.

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Aetna Medicare Supplement Rate Increase History 2027: What to Expect

Compare Aetna Medicare Supplement rates in your area

Speak with a licensed insurance agent

1-888-891-0229

Aetna Medicare Supplement Rate History at a Glance

Recent Aetna Rate Increases by State

Compare Aetna with other companies in your area

Speak with a licensed insurance agent

1-888-891-0229

Why Aetna Medicare Supplement Rates Go Up

How Aetna Prices Its Medicare Supplement Plans

What Rate Increases Can Look Like Over 5 Years

Is Aetna's Rate History Good or Bad?

What to Do When Your Aetna Rate Goes Up

How to Check Aetna's Rate History in Your State

See if you can save on your Medicare Supplement plan

Speak with a licensed insurance agent

1-888-891-0229

Aetna Medicare Supplement Rate Increase History 2027 — Frequently Asked Questions

➤ Does Aetna raise Medicare Supplement rates every year?

➤ How much have Aetna Medicare Supplement rates gone up?

➤ Why did my Aetna Medicare Supplement premium go up?

➤ Who underwrites Aetna Medicare Supplement plans?

➤ Can I switch from Aetna if my rate goes up?

➤ Does Aetna offer a household discount?

➤ Is Aetna a good Medicare Supplement company?

➤ Can a licensed agent check Aetna rates in my area?

Have Questions?

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Compare plans & benefits in your area

Or speak with a licensed insurance agent

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