Lifetime Annual Rate Increases Vs Top Rate Freezes at Age 75

New information for me. Discussing merits of Med/Supp Plan G vs. Plan F with another agent, looking at rates for Aetna, Cigna, etc. "But do those lower cost carriers have annual rate increases to age 99, or does the age rating table stop at 75?" Looking at the Aetna tables, rates to 99.

The BCBS in our state goes to age 75, all ages above are same, also limited to top age with UHC/AARP.

There must be a counter to this "drawback". I am interested to know, as I have not seen that discussion here.
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