Medigap by State: Official Guides and Rules

Medigap for people under 65: CMS lists this state among those requiring insurers to offer at least one Medigap policy to some people with Medicare under 65. Ask the state insurance department which plans and who qualifies. (CMS, Choosing a Medigap Policy (March 2026))

Birthday rule: If you already have Medigap, you get at least 60 days each year starting on your birthday to switch to a policy with the same or fewer benefits, from any insurer, without health questions. (Cal. Ins. Code §10192.11)

Medigap for people under 65: CMS lists this state among those requiring insurers to offer at least one Medigap policy to some people with Medicare under 65. Ask the state insurance department which plans and who qualifies. (CMS, Choosing a Medigap Policy (March 2026))

Medigap for people under 65: Insurers must offer the Medigap plans they sell to people under 65 who have Medicare because of a disability, during the 6 months after Part B starts. Premiums can be higher than at 65. (Colo. DOI Reg. 4-3-1 (3 CCR 702-4))

Year-round or annual open enrollment: Insurers can’t deny or condition a Medigap policy based on age, gender, claims history or medical condition, so you can buy or switch any time of year (a pre-existing condition exclusion of up to 6 months is allowed). (Conn. Gen. Stat. §38a-495c(a)-(c))

Medigap for people under 65: Insurers that sell Medigap to people 65 and older must also offer plans to people under 65 who have Medicare because of a disability. (Conn. Gen. Stat. §38a-495c(d))

Pricing (rating) rules: Medigap must be community rated: no premium differences for age, gender, claims history or health. (Conn. Gen. Stat. §38a-495c(a))

Other state rights: Connecticut does not ban Part B excess charges for most people; according to the state’s CHOICES program, only people in the QMB program are protected. (CT ADS CHOICES fact sheet)

Birthday rule: Starting January 1, 2026: a yearly window from 30 days before your birthday to at least 30 days after, to switch to a policy with the same or fewer benefits from any insurer without health questions. (SB 71 (153rd Gen. Assembly), signed 2025-09-03)

Medigap for people under 65: CMS lists this state among those requiring insurers to offer at least one Medigap policy to some people with Medicare under 65. Ask the state insurance department which plans and who qualifies. (CMS, Choosing a Medigap Policy (March 2026))

Other state rights: Starting January 1, 2026: if you leave Medicare Advantage for Original Medicare during the fall Open Enrollment or the January–March Medicare Advantage Open Enrollment, insurers must sell you any Medigap policy they offer in Delaware (they may still price by health and apply a pre-existing condition wait). (SB 71 (153rd Gen. Assembly))

Medigap for people under 65: Insurers must offer Medigap to people under 65 with Medicare because of a disability or ESRD during the 6 months after Part B starts, and for 2 months after losing certain other coverage. (Fla. Stat. §627.6741)

Medigap for people under 65: CMS lists this state among those requiring insurers to offer at least one Medigap policy to some people with Medicare under 65. Ask the state insurance department which plans and who qualifies. (CMS, Choosing a Medigap Policy (March 2026))

Medigap for people under 65: CMS lists this state among those requiring insurers to offer at least one Medigap policy to some people with Medicare under 65. Ask the state insurance department which plans and who qualifies. (CMS, Choosing a Medigap Policy (March 2026))

Birthday rule: Once a year, during the 63 days starting on your birthday, you can switch to a plan with the same or fewer benefits, with the same or a different insurer, without health questions. (S.B. 1143 (2021); IDAPA 18.04.10)

Medigap for people under 65: People under 65 with Medicare because of a disability or ESRD can buy the same plans, at no more than 150% of the age-65 premium; the premium drops to the standard rate at 65. (Idaho DOI SHIBA page)

Pricing (rating) rules: New Medigap policies (including when you change insurers) can’t be priced by age. (S.B. 1143 (2021); IDAPA 18.04.10)

Birthday rule: Ages 65 to 75: a 45-day window each year starting on your birthday to switch to a policy with the same or fewer benefits from the same insurer or an affiliate, without health questions or health-based pricing. (215 ILCS 5/363(8))

Medigap for people under 65: People under 65 with Medicare because of a disability can’t be denied if they apply within 6 months of Part B; insurers must offer every policy type they sell at 65+, at no more than their highest 65+ rate. (215 ILCS 5/363(6))

Birthday rule: Starting January 1, 2026: ages 65+ can switch to another insurer’s policy of the same plan letter by applying within 60 days of their birthday each year, without health questions. Switching letters isn’t covered. (HEA 1226 (2025), Ind. Code §27-8-13-9.3)

Medigap for people under 65: People under 65 with Medicare because of a disability can’t be denied if they apply within 6 months of Part B; insurers must offer every policy type they sell at 65+, at no more than the age-65 rate. (K.S.A. 40-2221)

Birthday rule: Once a year you can move to another insurer’s policy of the same plan by applying within 60 days of your birthday, without health questions. No age limit. (KRS 304.14-525 (2023 Ky. Acts ch. 182, HB 345))

Medigap for people under 65: Insurers must make every Medigap policy they sell available to people under 65, with premiums capped at their average rate for people 65+ and no pre-existing condition wait. (KRS 304.14-525 (2023 Ky. Acts ch. 182))

Birthday rule: Each year, a 63-day window starting on your birthday to buy any Medigap policy from your current insurer or its affiliates. Not a switch to other companies. (La. R.S. 22:1112(A)(1))

Medigap for people under 65: CMS lists this state among those requiring insurers to offer at least one Medigap policy to some people with Medicare under 65. Ask the state insurance department which plans and who qualifies. (CMS, Choosing a Medigap Policy (March 2026))

Year-round or annual open enrollment: At any time, if you’ve had Medigap or Medicare Advantage with no gap longer than 90 days, you can switch to a Medigap policy with the same or fewer benefits from any insurer, which can’t turn you down. (24-A M.R.S. §5002-B)

Medigap for people under 65: CMS lists this state among those requiring insurers to offer at least one Medigap policy to some people with Medicare under 65. Ask the state insurance department which plans and who qualifies. (CMS, Choosing a Medigap Policy (March 2026))

Pricing (rating) rules: Medigap must be community rated: premiums can’t vary by age, gender, health, claims or how long you’ve had the policy. (24-A M.R.S. §5011(1))

Birthday rule: Each year, from your birthday through the next 30 days, you can switch to a policy with the same or fewer benefits from any insurer, without health questions. (Md. Code, Ins. §15-909)

Medigap for people under 65: Insurers must make Plans A and D available to people under 65 with Medicare because of a disability, during the 6 months after Part B starts; the Plan A premium is capped at the average 65+ rate. (Md. Code, Ins. §15-909(b)(3))

Other state rights: Starting July 1, 2026: people losing Maryland Medicaid who enrolled in Part B while on Medicaid can buy any Medigap policy without health questions if they apply within 63 days. (2026 Md. Laws ch. 139)

Medigap for people under 65: CMS lists this state among those requiring insurers to offer at least one Medigap policy to some people with Medicare under 65. Ask the state insurance department which plans and who qualifies. (CMS, Choosing a Medigap Policy (March 2026))

Limits on Part B excess charges: Doctors who treat Medicare patients can’t charge more than Medicare’s approved amount as a condition of their license, so there are no Part B excess charges. (M.G.L. c.112 §2)

State-specific standardized plans: Massachusetts uses its own standardized plans (Core, Supplement 1A) instead of letters A–N. (CMS 'Choosing a Medigap Policy' §7)

Medigap for people under 65: Some insurers must offer Medigap to people under 65 with Medicare; the state insurance department lists the current options. (Mich. Comp. Laws ch. 500 (Medicare supplement))

Medigap for people under 65: Medigap open enrollment applies regardless of age, with a 6-month window for people who have Medicare because of a disability, and another at 65. (Minn. Stat. §62A.31 subd. 1h)

Limits on Part B excess charges: Providers can’t charge Minnesota residents on Medicare more than the Medicare-approved amount. (Minn. Stat. §62J.25)

State-specific standardized plans: Minnesota uses its own standardized Basic and Extended Basic plans (plus Minnesota versions of K, L, M and N) instead of letters A–N. (CMS 'Choosing a Medigap Policy' §7)

Pricing (rating) rules: Medigap must be sold at a community rate; only benefits, approved geographic areas and a tobacco-free discount can change the premium. (Minn. Stat. §62A.31 subd. 1r)

Other state rights: Starting with the fall 2026 enrollment periods: people aged 65 to 70 buying Medigap for the first time can do so without health questions during October 15–December 7 and January 1–March 31, with a permanent late-enrollment surcharge. Not a switching right. (Minn. Stat. §62A.31 subd. 1h, 1r; §62A.3099 subd. 18b; Commerce Admin. Bulletin 2026-3)

Medigap for people under 65: CMS lists this state among those requiring insurers to offer at least one Medigap policy to some people with Medicare under 65. Ask the state insurance department which plans and who qualifies. (CMS, Choosing a Medigap Policy (March 2026))

Anniversary rule: Each year, from 30 days before to 30 days after your policy’s anniversary date, you can switch to the same plan letter from any insurer without health questions. (20 CSR 400-3.650(13))

Medigap for people under 65: CMS lists this state among those requiring insurers to offer at least one Medigap policy to some people with Medicare under 65. Ask the state insurance department which plans and who qualifies. (CMS, Choosing a Medigap Policy (March 2026))

Medigap for people under 65: CMS lists this state among those requiring insurers to offer at least one Medigap policy to some people with Medicare under 65. Ask the state insurance department which plans and who qualifies. (CMS, Choosing a Medigap Policy (March 2026))

Medigap for people under 65: Since January 1, 2025, insurers that sell Medigap at 65+ must offer Plan A to people under 65 with Medicare because of a disability, during the 6 months after Part B starts, at no more than 150% of the age-65 premium. (LB 852 (2024), Neb. Rev. Stat. §44-3614 et seq.)

Birthday rule: Each year, from the first day of your birthday month for at least 60 days, you can switch to a policy with the same or fewer benefits, from your current or a new insurer, without health questions. (AB 250 (2021), NRS ch. 689B)

Medigap for people under 65: Since October 1, 2025, insurers must let people under 65 with Medicare because of a disability or ESRD buy any Medigap policy they sell at 65+, with premium limits. (SB 292 (2025))

Medigap for people under 65: CMS lists this state among those requiring insurers to offer at least one Medigap policy to some people with Medicare under 65. Ask the state insurance department which plans and who qualifies. (CMS, Choosing a Medigap Policy (March 2026))

Medigap for people under 65: People under 50 with Medicare because of a disability can buy Plan D (Plan C if eligible before 2020) from a contracting insurer at the age-65 premium, through the state’s under-50 program. (N.J.S.A. 17B:26A-14 to -17; N.J.A.C. 11:4-23A and 23B)

Medigap for people under 65: CMS lists this state among those requiring insurers to offer at least one Medigap policy to some people with Medicare under 65. Ask the state insurance department which plans and who qualifies. (CMS, Choosing a Medigap Policy (March 2026))

Limits on Part B excess charges: Doctors can charge people on Medicare no more than 5% above Medicare’s approved amount for most services. (N.Y. Pub. Health Law §19)

Pricing (rating) rules: Medigap premiums are community rated: they vary by region, not by age or health. (NY DFS premium comparison)

Medigap for people under 65: Insurers must offer Plan A (and Plan D or G if they sell it to people new to Medicare) to people under 65 with Medicare because of a disability, without health questions, if they apply within 6 months of Part B. (N.C. Gen. Stat. §58-54-45)

Limits on Part B excess charges: Health care practitioners can’t bill people on Medicare above Medicare’s approved amount, so there are no Part B excess charges. (Ohio Rev. Code §4769.02)

Birthday rule: Insurers must let current Medigap holders with no coverage gap over 90 days switch to a policy with the same or fewer benefits without health questions; insurers comply by offering a 60-day window starting on your birthday each year. (OAC 365:10-5-129(f))

Medigap for people under 65: CMS lists this state among those requiring insurers to offer at least one Medigap policy to some people with Medicare under 65. Ask the state insurance department which plans and who qualifies. (CMS, Choosing a Medigap Policy (March 2026))

Birthday rule: Each year, from 30 days before to 30 days after your birthday, you can switch to a policy with the same or fewer benefits from any insurer without health questions. (OAR 836-052-0143)

Medigap for people under 65: CMS lists this state among those requiring insurers to offer at least one Medigap policy to some people with Medicare under 65. Ask the state insurance department which plans and who qualifies. (CMS, Choosing a Medigap Policy (March 2026))

Medigap for people under 65: CMS lists this state among those requiring insurers to offer at least one Medigap policy to some people with Medicare under 65. Ask the state insurance department which plans and who qualifies. (CMS, Choosing a Medigap Policy (March 2026))

Limits on Part B excess charges: Practitioners can’t bill people on Medicare above Medicare’s approved amount, so there are no Part B excess charges. (Act 81 of 1990 (P.L. 352))

Year-round or annual open enrollment: Every year during Medicare Open Enrollment (October 15–December 7, for January 1 coverage), anyone with Medigap or Medicare Advantage and no gap over 90 days can buy any Medigap policy sold in Rhode Island without health questions. (R.I. Gen. Laws §27-18.2-3(h) (P.L. 2025 ch. 433/434))

Medigap for people under 65: Insurers must offer Plan A to people under 65 with Medicare because of a disability or ESRD, during the 6 months after Part B starts. (R.I. Gen. Laws §27-18.2-3(g))

Limits on Part B excess charges: Charging people on Medicare more than federal law allows is grounds for discipline against a physician’s license. (R.I. Gen. Laws §5-37-5.1(29))

Medigap for people under 65: CMS lists this state among those requiring insurers to offer at least one Medigap policy to some people with Medicare under 65. Ask the state insurance department which plans and who qualifies. (CMS, Choosing a Medigap Policy (March 2026))

Medigap for people under 65: CMS lists this state among those requiring insurers to offer at least one Medigap policy to some people with Medicare under 65. Ask the state insurance department which plans and who qualifies. (CMS, Choosing a Medigap Policy (March 2026))

Medigap for people under 65: Insurers that sell Medigap at 65+ must offer it to people under 65 with Medicare because of a disability, ESRD or ALS: Plans A, B and D at the age-65 rate, other plans at no more than 200% of it. (Tex. Ins. Code ch. 1652 (HB 2516, 2025))

Birthday rule: Each year, for 60 days starting on your birthday, you can switch to a comparable or lower plan from your current insurer only, without health questions. (Utah Code §31A-22-620(3)(g) (H.B. 258, 2025))

Medigap for people under 65: CMS lists this state among those requiring insurers to offer at least one Medigap policy to some people with Medicare under 65. Ask the state insurance department which plans and who qualifies. (CMS, Choosing a Medigap Policy (March 2026))

Limits on Part B excess charges: Physicians who treat Medicare patients generally can’t bill above Medicare’s approved amount, with some exceptions. (33 V.S.A. ch. 65 (§6501 et seq.))

Birthday rule: Each year, for at least 60 days starting on your birthday, you can buy a policy with the same benefits as yours from any insurer in Virginia, without health questions. (Va. Code §38.2-3611)

Medigap for people under 65: Insurers must offer at least one Medigap policy to residents under 65 who have Medicare because of a disability. (Va. Code §38.2-3610)

Year-round or annual open enrollment: You can switch at any time without health questions: from any of Plans B through N to another of Plans B through N, or from Plan A to Plan A. (RCW 48.66.045)

Pricing (rating) rules: Medigap policies are community rated. (RCW 48.66.045)

Birthday rule: Starting June 2026: if your policy has been in force at least 24 months, a 60-day window each year starting the first of your birthday month to switch to a policy with the same or fewer benefits from your insurer or an affiliate, without health questions. (W. Va. HB 4869 (2026 Reg. Sess.))

Medigap for people under 65: CMS lists this state among those requiring insurers to offer at least one Medigap policy to some people with Medicare under 65. Ask the state insurance department which plans and who qualifies. (CMS, Choosing a Medigap Policy (March 2026))

State-specific standardized plans: Wisconsin uses its own Basic Plan with optional riders instead of letters A–N. (CMS 'Choosing a Medigap Policy' §7; Wis. Admin. Code Ins 3.39)