Four States Offer Enhanced Medigap Protections Beyond Federal Standards
Federal law provides a six-month protected enrollment period for Medigap policies when individuals turn 65 and enroll in Medicare Part B, during which insurers cannot deny coverage or charge more due to health conditions. However, outside this window, most states allow insurers to medically underwrite policies, potentially denying coverage or increasing costs for individuals with pre-existing conditions like diabetes. Only four states—Connecticut, New York, Massachusetts, and Maine—offer significant Medigap protections that extend beyond this federal window. Connecticut and New York provide continuous guaranteed access to Medigap. Massachusetts offers broad protections throughout the year, while Maine mandates insurers to offer at least Plan A during an annual guaranteed-issue period. Other states may offer narrower opportunities, such as 'birthday windows' for existing Medigap policyholders, but these generally do not provide unrestricted access for all Medicare Advantage members seeking to switch to a su... 
