An insurer proposes to set each Medicare supplement applicant's premium according to that individual's own claims history and current health. Under Virginia's Medicare supplement rating regulation, is this permissible?

Why D is correct

Under 14 VAC 5-170-30, Medicare supplement rates in Virginia are built on the insurer's filed rating methodology, subject to review by the Virginia Bureau of Insurance — not priced risk-by-risk on an individual's health or claims history. Insurers may structure premiums on bases such as community, issue-age, or attained-age rating, but the filed structure applies across the insured population. Pricing each applicant on personal medical experience would convert the product into individually underwritten coverage, contrary to the regulation.

Why the other options are wrong

• A) A signed disclosure cannot cure a rating method the regulation does not permit; health-based individual pricing is out of bounds regardless of paperwork.
• B) The problem is the methodology itself, not the resulting rate level; fitting within approved limits does not authorize claims-experience pricing.
• C) Premiums need not be identical statewide — they vary by the filed rating structure — but they may not ride on individual health and claims experience.

Memory hook

File a method, not a health quiz: Medigap pricing follows the structure, not the person.