What if the Medicare Supplement Plan you’ve relied on for years suddenly no longer met your needs—or worse, cost significantly more with fewer benefits? For many Texans, that question isn’t hypothetical. In 2025, changes to Medicare Supplement Plans are rolling out, and the impacts are real..

At Wilkerson Insurance Agency, we work with individuals and families every day to make sense of health insurance in Dallas and across Texas. As an experienced health insurance broker, we know how complex Medicare Supplement Plans can be—especially when changes are involved. Our job is to take that burden off your shoulders and help you make smart, confident decisions about your coverage.

This post will walk you through the biggest changes to Medicare Supplement Plans in 2025, who’s affected, and how these changes might impact your premiums, coverage, and enrollment options.

Key Changes to Medicare Supplement Plans in 2025

Several updates are coming to Medicare Supplement Plans in 2025. These changes affect plan availability, pricing structures, and benefits. Whether you’re already enrolled in a plan or considering your options for the first time, here’s what you need to know:

1. Changes to Plan C and Plan F Availability

• Since 2020, new enrollees have not been able to purchase Plan C or Plan F, which covered the Part B deductible.
• In 2025, the number of providers offering these plans to those who were grandfathered in is decreasing.
• If you’re enrolled in Plan F or C, you can keep it—but you may see significant premium increases due to a shrinking risk pool.

How this affects you: Higher costs may push long-time beneficiaries to consider switching to other Medicare Supplement Plans, such as Plan G or Plan N, which offer broad coverage but don’t cover the Part B deductible.

2. Premium Increases Across Multiple Plans

Premiums are expected to rise for many Medicare Supplement Plans in 2025 due to inflation, increased medical service use, and shifting risk pools. This will especially impact:

• Plan F and Plan C (older members)
• Plan G (newer enrollees seeking comprehensive coverage)
• Plan N (those looking for more affordable premiums)

What to watch for:

• Age-based premium increases: Most plans use attained-age pricing.
• Geographic variations: Prices can vary widely between counties and even ZIP codes.

3. Stricter Underwriting for New Applicants

Although you can apply for a Medicare Supplement Plan at any time, medical underwriting may now be more stringent outside of your initial enrollment window.

In 2025, more insurance companies in Dallas are tightening their underwriting criteria due to increased risk exposure. That means if you’re applying outside your guaranteed issue period, you could be denied or charged more if you have health conditions.

Tip: If you’re nearing 65 or preparing to retire, timing your enrollment can make all the difference.

Why These Changes Matter Now

The Medicare Supplement market is shifting as costs rise and insurers reassess their offerings. For beneficiaries, that means now is the time to reassess current plans, compare alternatives, and consider how upcoming changes may affect access, affordability, and quality of care.

If you’re on a fixed income—as many Medicare beneficiaries are—rising premiums or limited plan options can quickly strain your budget. And switching plans isn’t always straightforward. That’s where working with a licensed health insurance broker becomes invaluable.

What You Can Do to Stay Protected

We understand how easy it is to put off reviewing your health insurance coverage, especially when nothing seems to be wrong. But small changes in your plan or in your health can lead to major consequences down the line. Here’s what we recommend:

Review Your Current Medicare Supplement Plan

• Look at your monthly premium and out-of-pocket costs from the past year.
• Has your plan dropped benefits or increased rates significantly?

Compare Other Medicare Supplement Plans in Texas

• Plans G and N continue to offer excellent value for many people.
• If you’re still on Plan F or C, it may be time to evaluate switching—even if you’re grandfathered in.

Time Your Enrollment Carefully

• If you’re approaching 65 or losing employer coverage, act during your Medigap Open Enrollment period to avoid medical underwriting.
• Missing this window could lead to higher premiums or denial due to pre-existing conditions.

Consult an Independent Insurance Agency in Dallas

• Independent agencies, like ours, work with multiple insurance companies—not just one.
• That means we help you compare real options without the guesswork.

Ready to Feel Confident About Medicare in 2025?

Are you certain your current Medicare Supplement Plan will still meet your needs and budget next year? Many aren’t—and that uncertainty can lead to costly mistakes or gaps in coverage. That’s why working with a trusted health insurance broker makes such a difference.

At Wilkerson Insurance Agency, we specialize in helping individuals and families across Texas understand their options for Medicare Supplement Plans in 2025. Whether you’re reviewing your current plan or enrolling for the first time, we’ll help you make sense of your choices, avoid costly pitfalls, and secure coverage that fits your life.

With decades of experience and access to top insurance companies in Dallas, we’re here to answer your questions and help you make the right call—without pressure, confusion, or hidden fees.

Call at 214-501-9613 or contact Wilkerson Insurance Agency today to get expert help choosing the right Medicare Supplement Plan in Texas—and gain peace of mind for the year ahead.