Medigap plans in Connecticut
We track the rules that matter when you compare or switch Medigap plans in Connecticut: how premiums are rated, whether the state adds switching protections on top of the federal baseline, and whether carriers must sell to people under 65.
Connecticut adds extra Medigap protections on top of the federal baseline. Connecticut requires year-round Medigap guaranteed issue. You can apply or switch any time without medical underwriting.
Connecticut Medigap rules at a glance
| Standardized plans | Federal Plan A-N (Plans C and F closed to those newly eligible on/after 2020-01-01) |
|---|---|
| Rating method | Community-rated |
| State switching rule | Year-round guaranteed issue |
| Under-65 access | State mandates carrier access |
Source: NAIC Medicare Supplement Insurance Model Regulation (#651) and the Connecticut Department of Insurance. Always confirm current rules with your state DOI or SHIP before applying.
How pricing works in Connecticut
Connecticut requires community-rated Medigap pricing across all ages within the same plan and area.
A community-rated plan charges the same monthly premium regardless of age. Issue-age plans lock your premium based on the age you bought in. Attained-age plans start lower in your 60s and rise as you get older. Over a 20-year horizon, the rating method usually matters more than the plan letter.
Switching Medigap plans in Connecticut
Federal law gives you a 6-month Medigap Open Enrollment Period that starts the month your Part B begins. During that window any Medigap carrier in Connecticut must sell to you with no medical underwriting. After it closes, federal guaranteed-issue rights only trigger in specific situations (for example, when your employer plan ends or a Medicare Advantage plan leaves your area).
Connecticut requires year-round Medigap guaranteed issue. You can apply or switch any time without medical underwriting.
We walk through the federal switching mechanics in our guide on leaving Medicare Advantage, and compare the most popular Medigap plan letters in Plan G vs Plan N.
People under 65 in Connecticut
Connecticut requires Medigap carriers to offer at least one plan to Medicare beneficiaries under 65.
See our overview of Medicare on disability for how the 24-month waiting period and SSDI interact with state Medigap rules.
Frequently asked questions
- What Medigap plans are sold in Connecticut?
- Connecticut sells the standardized federal Medigap plans (Plan A through Plan N, with Plans C and F closed to people first eligible for Medicare on or after January 1, 2020).
- Can I switch Medigap plans in Connecticut without medical underwriting?
- Connecticut requires year-round Medigap guaranteed issue. You can apply or switch any time without medical underwriting.
- How are Medigap premiums priced in Connecticut?
- Connecticut requires community-rated Medigap pricing across all ages within the same plan and area.
- Can people under 65 buy Medigap in Connecticut?
- Connecticut requires Medigap carriers to offer at least one plan to Medicare beneficiaries under 65.
Compare other states
Related guides
Confirm your Medigap window in Connecticut
Your 6-month Medigap Open Enrollment Period is tied to your Part B effective date. We'll calculate it from your date of birth.
Educational resource. Not legal, tax, or insurance advice. Always confirm specifics with Medicare.gov, your State Health Insurance Assistance Program, or the Connecticut Department of Insurance.