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Community-rated (also called “no age-rated”)
How it’s priced: Generally the same monthly premium is charged to everyone who has the Medigap policy, regardless of age. What this pricing may mean for you: Your premium isn’t based on your age. Premiums may go up because of inflation and other factors, but not because of your age
Issue-age-rated (also called “entry age-rated”)
How it’s priced: The premium is based on the age you are when you buy the Medigap policy. What this pricing may mean for you: Premiums are lower for people who buy at a younger age and won’t change as you get older. Premiums may go up because of inflation and other factors, but not because of your age.
Attained-age-rated
How it’s priced: The premium is based on your current age, so your premium goes up as you get older. What this pricing may mean for you: Premiums are low for younger buyers, but go up as you get older. They may be the least expensive at first, but they can eventually become the most expensive. Premiums may also go up because of inflation and other factors https://www.medicare.gov/supplement-other-insurance/medigap/costs/costs-of-medigap-policies.html#collapse-4673
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