Medicare Supplement
Rules by State
Each state sets its own rules for changing Medicare Supplement (Medigap) plans. Some offer a Birthday Rule or special enrollment periods that lets you switch to a plan of equal or lesser benefits without medical underwriting. If your state doesn’t have a rule, changes may require medical underwriting
Use the map below to find information on your state’s guidelines.
Medigap Switching Rules by State
Use this color guide to understand your state’s rules for changing Medigap plans. Hover or tap on your state to see details.
Switch to a plan with the same or lower benefits without medical underwriting around your birthday.
States with non-birthday guaranteed-issue windows, such as anniversary or year-round rules. Exact timing varies by state.
States preparing to adopt new Medigap switching protections.
Changing plans generally requires medical underwriting. Hover or tap your state for details.