Medicare: Medigap State Laws

This chart highlights the state laws related to Medicare coverage and Medigap plans. In addition to the information below, to view your Medigap plan options, you can visit Medicare.gov/Plan-Compare, enter your zip code, select “Medigap policy” & click “Find Plans.” States that have a “birthday rule” (listed in the Special Rules column) provide a limited Medigap open enrollment period each year around the time of someone's birthday. Check back often, as this chart is updated frequently.

If you don't find what you're looking for, see our Medicare Topics Page. 

StateAll Medigap plans are guaranteed issue, and include limits on premiumsAt least some Medigap plans are guaranteed issue, but if under 65 premiums can be moreNo requirement for companies to sell Medigap plans to people under 65 with a disability; there may or may not be plans available for purchaseSpecial RulesAdditional InformationHas a State High Risk Plan as a Medicare Supplemental Plan
ALABAMAXhttps://aldoi.gov/consumers/MedDisabilityInfo.aspxAL Department of Insurancehttps://aldoi.gov/consumers/seniorhealthinsurance.aspx
ALASKAXhttps://www.commerce.alaska.gov/web/portals/11/pub/Consumers/medicare-rate-guide.pdfAK Department of Commerce, Community, & Economic Development, Division of Insurance https://www.commerce.alaska.gov/web/portals/11/pub/Consumers/medicare-rate-guide.pdfX
ARIZONAXhttps://azship.org/wp-content/uploads/2025/07/2025-Q3-Medigap-Booklet-with-Ace-and-ICNA.pdfAZ Department of Insurance & Financial Institutionshttps://difi.az.gov/sites/default/files/Medicare%20Supplement%20Companies.pdf
ARKANSASXhttps://arkleg.state.ar.us/Home/FTPDocument?path=%2FBills%2F2017R%2FPublic%2FSB642.pdfMedicare.govhttps://www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=05119&zip=72103&year=2025&lang=en
CALIFORNIAXhttps://law.justia.com/codes/california/code-ins/division-2/part-2/chapter-1/article-6/section-10192-11/Birthday Rulehttps://www.insurance.ca.gov/0150-seniors/0100alerts/SA-01-10B.cfmCA Department of Insurancehttps://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/03-medsup/list-of-companies.cfm
COLORADOXhttps://drive.google.com/file/d/1IBDmOoccypaq8s7aQI8C-PUVSgQp20h8/viewCO Division of Insurancehttps://doi.colorado.gov/insurance-products/health-insurance/senior-health-care-medicare - the other link is clearer, but this is the regulation
CONNECTICUTPlans A, B, C (if first eligible prior to 2020), & Dhttps://www.cga.ct.gov/2025/pub/chap_700c.htm#sec_38a-495cPlans available on GI basis at all times & rates can't vary based on age, gender, or health statushttps://portal.ct.gov/-/media/CID/MedigapFactSheetpdf.pdfCT Insurance Departmenthttps://portal.ct.gov/cid/consumer-resource-library/health-insurance/medicare-supplement?language=en_US
DELAWAREXhttps://legiscan.com/DE/text/SB42/2013DE Department of Insurancehttps://insurance.delaware.gov/divisions/dmab/
*DISTRICT OF COLUMBIADC Medigap policies follow Federal ruleshttps://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/buying-a-medigap-policyMedicare.govhttps://www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=11001&zip=20008&year=2025&lang=en
FLORIDAXhttp://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0600-0699/0627/Sections/0627.6741.htmlFL Office of Insurance Regulationhttps://floir.com/life-health/medicare-supplement
GEORGIAXhttps://codes.findlaw.com/ga/title-33-insurance/ga-code-sect-33-43-3.htmlMedicare.govhttps://www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=13089&zip=30033&year=2025&lang=en
HAWAIIXhttps://files.hawaii.gov/dcca/ins/har/har_12-c.pdfHI Department of Commerce & Consumer Affairshttps://cca.hawaii.gov/ins/consumers/health/
IDAHOXhttps://adminrules.idaho.gov/rules/current/18/180410.pdfBirthday Rulehttps://doi.idaho.gov/shiba/new-to-medicare/medicare-supplement-medigap/recent-changes-to-medicare-supplement-law-and-rules/ID Department of Insurancehttps://doi.idaho.gov/shiba/new-to-medicare/medicare-supplement-medigap/
ILLINOISXhttps://www.ilga.gov/legislation/ilcs/fulltext.asp?DocName=021500050K363Birthday Rulehttps://ilaging.illinois.gov/content/dam/soi/en/web/aging/ship/documents/medicare-choices.pdfMedicare.govhttps://www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=17031&zip=60646&year=2025&lang=en
INDIANAPlans A, B, & D include limits on premiums; other plans can charge up to 200% of the premium they would charge somone who is 65https://legiscan.com/IN/bill/SB0215/2024IN Department of Insurancehttps://www.in.gov/ship/medicare-supplement-plans/#5
IOWAXhttps://shiip.iowa.gov/media/76/download?inline=IA SHIIP & SMPhttps://shiip.iowa.gov/understand-coverage/supplemental-insuranceX
KANSASXhttps://www.kslegislature.gov/li_2022/b2021_22/statute/040_000_0000_chapter/040_022_0000_article/040_022_0021_section/040_022_0021_k/KS Department of Insurancehttps://insurance.ks.gov/documents/department/publications/medicare-supplement-ins-shoppers-guide.pdf
KENTUCKYXhttps://apps.legislature.ky.gov/law/statutes/statute.aspx?id=54225Birthday Rulehttps://insurance.ky.gov/ppc/Documents/2024.01.24%20Medicare%20Supplement%20Enrollment%20Changes.pdfKY Department of Insurancehttps://insurance.ky.gov/ppc/Documents/MSGuide.8.2025.pdf
LOUISIANAXhttps://ldi.la.gov/docs/default-source/documents/legaldocs/Regulations/Reg33-Cur-MedicareSupplementInBirthday Rulehttps://www.legis.la.gov/Legis/ViewDocument.aspx?d=1316065Medicare.govhttps://www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=22033&zip=70801&year=2025&lang=en
MAINEXhttps://legislature.maine.gov/statutes/24-a/title24-Asec5010-A.htmlChange to a plan with same/lesser benefits at any time as long as no coverage gap for more than 90 dayshttps://www.maine.gov/pfr/insurance/consumers/medicare-supplement-insurance/buy-switch-outside-open-enrollmentME Department of Professional & Financial Regulationhttps://www.maine.gov/pfr/insurance/sites/maine.gov.pfr.insurance/files/inline-files/consumer-guide-medicare-supplement.pdf
MARYLANDOnly Plans A (with limits on premiums) and Dhttps://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gin§ion=15-909&enactments=falseBirthday Rulehttps://insurance.maryland.gov/Consumer/Documents/publications/ConsumerAdvisory-Maryland-law-allows-for-an-additional-Open-Enrollment-Period-for-Medicare-Supplement-Policies.pdfMD Insurance Administrationhttps://insurance.maryland.gov/Consumer/Documents/publications/Medicare-Supplement-Rate-Guide.pdf
MASSACHUSETTSXhttps://www.mass.gov/files/documents/2017/10/23/211-71.pdfAnnual open enrollment from 2/1 until 3/31https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter176K/Section3MA Division of Insurancehttps://www.mass.gov/doc/2025-medicare-supplement-product-listing-effective-112025/download
MICHIGANXhttps://www.legislature.mi.gov/(S(mqyjxr1pyhvemk50pomh4vg2))/mileg.aspx?page=getObject&objectName=mcl-500-3831MI Department of Insurance & Financial Serviceshttps://www.michigan.gov/difs/consumers/insurance/health-insurance/seniors/medicare-supp
MINNESOTAXhttps://www.revisor.mn.gov/statutes/cite/62A.31MN Department of Commercehttps://mn.gov/commerce/insurance/health/medicare/medigap/plans.jsp
MISSISSIPPIXhttps://www.mid.ms.gov/consumers/pdf/medicare-supplement-guide.pdfMedicare.govhttps://www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=28055&zip=38745&year=2025&lang=en
MISSOURIXhttps://www.law.cornell.edu/regulations/missouri/20-CSR-400-3-650Anniversary Rulehttps://insurance.mo.gov/sites/insurance/files/2025-08/2025-medigap-shopping-guide.pdfMO Department of Commerce & Insurancehttps://insurance.mo.gov/medigap-insurance
MONTANAXhttps://rules.mt.gov/gateway/ruleno.asp?RN=6.6.507CMT Commissioner of Securities & Insurancehttps://csimt.gov/your-insurance/medicare/
NEBRASKAPlan A Onlyhttps://doi.nebraska.gov/ndoi-reminds-public-expansion-medicare-supplement-people-under-65?utm_source=chatgpt.comNE Department of Insurancehttps://doi.nebraska.gov/sites/default/files/doc/Supplement%20Fact%20Sheet%202025.pdf
NEVADAAs of 10/1/2025, Plans A, B, & D (but pricing may be higher for other plans)https://www.leg.state.nv.us/Session/83rd2025/Bills/SB/SB292_EN.pdfBirthday Rulehttps://www.leg.state.nv.us/nrs/NRS-687B.html#NRS687BSec352
NEW HAMPSHIREXhttps://www.nh.gov/insurance/consumers/documents/medicare-suppguide-new.pdfNH Insurance Departmenthttps://www.insurance.nh.gov/consumers/medicare-and-seniors
NEW JERSEYPlan D Onlyhttps://www.njleg.state.nj.us/bill-search/2018/S3651/bill-text?f=PL19&n=139_NJ Division of Aging Services/SHIPhttps://www.nj.gov/humanservices/doas/services/q-z/ship/
NEW MEXICOXhttps://www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=35001&zip=87117&year=2024&lang=enMedicare.govhttps://www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=35001&zip=87117&year=2025&lang=enX
NEW YORKXhttps://www.nysenate.gov/legislation/laws/ISC/3231Continuous GI/open enrollment, however may be subject to pre-existing condition waiting periodhttps://www.dfs.ny.gov/consumers/health_insurance/information_for_medicare_beneficiariesNY Department of Financial Serviceshttps://www.dfs.ny.gov/consumers/health_insurance/information_for_medicare_beneficiaries
NORTH CAROLINAPlan A and, if insurer issues to those who are age-eligible, Plans D & G (C & F, if initially Medicare-eligible prior to 1/1/2020)https://www.ncleg.gov/enactedlegislation/statutes/pdf/bysection/chapter_58/gs_58-54-45.pdfNC Department of Insurancehttps://www.ncdoi.gov/consumers/medicare-supplement-medigap-plans#MedicareSupplementOptionsforMedicarebeneficiariesUnderAge65-2424
NORTH DAKOTAXhttps://www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=38017&zip=58103&year=2025&lang=enND Insurance Departmenthttps://www.insurance.nd.gov/consumers/shic-medicare/medicare-supplement/medicare-supplement-faqX
OHIOXhttps://www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=39089&zip=43008&year=2024&lang=enMedicare.govhttps://www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=39089&zip=43008&year=2025&lang=en
OKLAHOMAAt least one plan must be made available to those under 65; premiums may not exceed lowest available aged premium ratehttps://www.oid.ok.gov/wp-content/uploads/2019/10/190219-OAC10P5.pdfBirthday Rulehttps://www.oid.ok.gov/medicare-supplement-open-enrollment-faqs/#1706023592650-122fc603-77eeOK Insurance Departmenthttps://www.oid.ok.gov/consumers/information-for-seniors/medicare-supplement-insurance/
OREGONXhttps://secure.sos.state.or.us/oard/viewSingleRule.action?ruleVrsnRsn=297749Birthday Rulehttps://shiba.oregon.gov/Documents/4845-ins-birthday-rule-2023.pdfOR Senior Health Insurance Benefits Assistancehttps://shiba.oregon.gov/Pages/index.aspx
PENNSYLVANIAXhttps://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter89/s89.778.html&d=reducePA Insurance Departmenthttps://www.pa.gov/agencies/insurance/consumer-help-center/learn-about-insurance/health-insurance/medicare-supplement
*PUERTO RICOXhttps://es.medicare.gov/publications/11989-welcome-to-medicare508.pdfMedicare.govhttps://www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=72061&zip=00968&year=2025&lang=en
RHODE ISLANDPlan A Onlyhttps://ohic.ri.gov/sites/g/files/xkgbur736/files/2023-06/OHIC%20Bulletin%202023-01_0.pdfMedicare.govhttps://www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=44005&zip=02801&year=2025&lang=enX
SOUTH CAROLINAPlans A, C, & D, through the SC Health Insurance Poolhttps://www.scstatehouse.gov/code/t38c074.php?utmSC Department of Insurancehttps://www.doi.sc.gov/DocumentCenter/View/14582/2025-Medicare-Supplement-Shoppers-Guide?bidId=
SOUTH DAKOTAXhttps://sdlegislature.gov/Rules/Administrative/20%3A06%3A13%3A84?utm_source=chatgpt.comSD Department of Labor & Regulationhttps://dlr.sd.gov/insurance/medicare_supplement_policies.aspx
TENNESSEEXhttps://publications.tnsosfiles.com/acts/106/pub/pc0978.pdf?utmTN Department of Commerce & Insurancehttps://www.tn.gov/commerce/insurance/consumer-resources/health-insurance-information.html
TEXASPlans A & B (and Plan D, but pricing can be higher) only for individuals with ESRD or ALS https://capitol.texas.gov/tlodocs/89R/billtext/html/HB02516F.htmPlan A Onlyhttps://www.law.cornell.edu/regulations/texas/28-Tex-Admin-Code-SS-3-3324?utm_source=chatgpt.comTX Department of Insurancehttps://www.tdi.texas.gov/pubs/consumer/medsup.html
UTAHXhttps://insurance.utah.gov/consumers/health-insurance/medicare/Medicare.govhttps://www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=49035&zip=84044&year=2024&lang=en
VERMONTXhttps://legislature.vermont.gov/statutes/section/08/107/04080eMedicare.govhttps://www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=50009&zip=05907&year=2025&lang=en
VIRGINIAEach Medigap issuer must make at least one plan availablehttps://law.lis.virginia.gov/vacode/title38.2/chapter36/section38.2-3610/Birthday Rule (as of 7/1/2025)https://law.lis.virginia.gov/vacode/title38.2/chapter36/section38.2-3611/VA State Corporation Commissionhttps://www.scc.virginia.gov/consumers/insurance/health-insurance-consumer/tips,-guides-publications/virginia-medigap-guide/X
WASHINGTONXhttps://www.insurance.wa.gov/medigap-medicare-supplement-plansAbility to switch certain plans at any timehttps://www.insurance.wa.gov/insurance-resources/medicare/health-and-drug-plans/medigap-medicare-supplement-plan-coverage-and-costsWA Office of the Insurance Commissionerhttps://www.insurance.wa.gov/insurance-resources/medicare/health-and-drug-plans/medigap-medicare-supplement-plan-coverage-and-costs
WEST VIRGINIAXhttps://www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=54055&zip=24701&year=2024&lang=enMedicare.govhttps://www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=54055&zip=24701&year=2025&lang=en
WISCONSINXhttps://docs.legis.wisconsin.gov/code/admin_code/ins/3/39/3gWI Office of the Commissioner of Insurancehttps://oci.wi.gov/Documents/Consumers/PI-002.pdf
WYOMINGXhttps://www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=56021&zip=82001&year=2024&lang=enBirthday Rulehttps://doi.wyo.gov/consumersWY Department of Insurancehttps://doi.wyo.gov/consumersX
GUAMXhttps://www.guamcourts.org/compileroflaws/GCA/22gca/22gc029.PDFDivision of Senior Citizenshttps://dphss.guam.gov/division-of-senior-citizens-2/
Last Updated9/3/20259/10/20259/3/20259/3/20259/3/20258/2025

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