Medigap plans by state
Medigap (Medicare Supplement Insurance) is regulated mostly at the federal level, but every state layers its own rules on top. We track them for all 50 states so you can see what actually applies before you compare quotes.
The federal Medigap baseline is the same everywhere: a 6-month Medigap Open Enrollment Period tied to your Part B start, plus a small set of federal guaranteed-issue triggers. What differs by state is the pricing method (community, issue-age, or attained-age), extra switching rights (birthday or anniversary rules, year-round guaranteed issue), and whether carriers must sell to people under 65.
Browse Medigap rules for your state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming