There are three types of age ratings with Medigap. Attained-age-rated, issue-age-rated, and age-community-rated.

They work like this:

Age-Community-Rated policies charge everyone living in your area the same rate regardless of age.

Issue-Age-Rated can charge based on age when you first obtain a policy, but that rate doesn’t increase as you age.

Attained-Age-Rated policies are generally cheaper for your younger beneficiaries, but as a trade-off prices are subject to increase as you age.