We automatically shop for our clients every year and suggest a review at least once every two to three years or immediately if you get an unusually large rate increase (anything near 10%).  Because each plan type is standardized and the only difference between insurers is the present and future cost, there is really no reason to pay more than you have to. Yes, there are things you can do to help keep the annual rate increases to an absolute minimum.  While they are too involved to go into detail here, the simplest explanation is to make certain your policy is not in a pool of seniors with poor health.  If it is, the rates will rise regardless of your own health.  Just ask us, we will be happy to go into detail about how you may be able to reduce future rate increases.