A Medicare beneficiary in Florida is facing a much steeper-than-expected jump on a Medigap renewal, raising a major budget question just one year into coverage.
In a Reddit thread, the person said Mutual of Omaha notified them that their Florida Plan N premium will increase from $156 a month to $196 starting Dec. 1, or about 25%.
Here's what to know
According to the post, the enrollee is a female non-smoker in Florida with no health conditions who chose traditional Medicare plus a Mutual of Omaha Plan N supplement in her first year of coverage. She said she expected some increase, but not one this large.
She said, "I expected an increase, but this seems way over the norm."
She also said the notice did not match what she had found on Medicare.gov. While the insurer's letter put the new monthly premium at $196 effective Dec. 1, the federal site showed an approximate rate of $177; she said she planned to speak with an independent agent while asking whether the jump was unusually high.
Many replies said the new price may be in line with what Florida enrollees are seeing.
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One user said, "That is horrendous, but yes, that's the way it is. I am in Florida also."
Another added, "Yea this is a very normal increase in the current environment."
Some responses stressed that timing matters if a person is considering a change.
One user advised, "If you're in good health, I would recommend looking into another Medigap plan now. You'll have to undergo underwriting in Florida, but your plan is going to just keep increasing until you have to go to Advantage because you can't afford Medigap anymore otherwise."
More background
A recurring theme in the discussion was that a rate hike like this may reflect insurer-wide pricing rather than anything about one member's health.
One user said personal health conditions "have zero bearing" on Medigap premiums, arguing that carriers base rates on the claims experience of their overall enrollee pool, not one customer's recent medical history.
State rules also entered the conversation when people compared prices. After a Pennsylvania user said they pay $141 for Plan N through Aetna, another user noted that Florida requires plans to be issue-age, making direct comparisons with other states less straightforward.
The Medicare.gov estimate created another point of confusion.
A user said the difference between the site's $177 figure and the insurer's $196 letter could simply mean the federal listing had not yet been updated, or, as they said, "Sometimes prices on medicare.gov aren't correct."
The thread also highlighted how different Medigap pricing can look depending on the plan. One Tennessee user said her high-deductible Plan G premium increased from $25.50 a month in 2026 to $27.19 in 2027, while another household said they pay $48 per month for Plan G-HD and would face a $2,950 deductible for 2026.
What can be done?
One Texas commenter shared their own switch after a series of Mutual of Omaha increases on Plan G. They said the premium rose from around $145 to about $155, then roughly $175, and eventually $215 before they passed underwriting and moved to a new Plan G policy for $175 with Wellabe-Medico.
Some people said an independent broker can help compare multiple carriers.
One user said a Medicare broker "has been awesome" and added, "He warned me about Mutual of Omaha."
Where can I learn more?
A steep Medigap renewal is one more example of how insurance costs keep climbing and why many people end up shopping around. These articles look at insurer pullbacks, pricing rules, and rate-hike fights in Florida, Michigan, California, and Oklahoma.
• In Florida, insurers are dropping hundreds of thousands of policies as homeowners brace after Milton.
• In Michigan, lawmakers backed a ban on pricing that penalizes drivers who stop shopping.
• In California, State Farm sought a 22% homeowners rate hike amid scrutiny from officials.
• In Oklahoma, residents are paying 194% more for home insurance than the national average.
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