The new Delaware Birthday Rule gives residents a yearly chance to switch Medicare Supplement plans without medical underwriting. Each year, you have a special window around your birthday to move to an equal or lesser plan with no medical questions. There are now special rules that apply to people currently on Medicare Advantage that want to switch to Medigap without medical underwriting.

Looking for a full breakdown of Medigap rules in Delaware? Check out our easy guide to Delaware Medigap plans.

What Is the Delaware Medigap Birthday Rule?

Effective January 1, 2026, Delaware joins states like California and Oregon in allowing Medicare Supplement members to switch plans each year around their birthday—no health questions, no underwriting, no stress.

The Delaware Medigap Birthday Rule was established through Senate Bill 71 to help policyholders find better rates or service without losing coverage. If you already have a Medigap plan, this rule is your golden ticket to shopping for a cheaper one. (Source: Delaware General Assembly)

💡 In short: You now get up to 30 days every year after your birthday to change your Medigap plan to an equal or lessor benefit plan without answering health questions!

Want to understand how the Medigap Birthday Rule works across the U.S.? Check out our Ultimate State Guide to Medigap Birthday Rules.

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Who Qualifies for the Delaware Medigap Birthday Rule?

To use the Delaware Medigap Birthday Rule, you must:

  • Be a Delaware resident.
  • Already be enrolled in a Medigap (Medicare Supplement) plan.

When Can You Use the Delaware Birthday Rule?

Your annual window lasts 60 days total — it begins 30 days before your birthday and ends 30 days after. During this time, insurers cannot deny you coverage or charge more due to pre-existing conditions. You can apply for your new plan anytime within that window, and your new coverage can begin as soon as your current plan ends.

Under the new law, insurers must notify members at least 30 days before their birthday window — including any changes to plan benefits. That letter must also explain any changes in the benefits of the plan the person currently has.

👉 Your birthday can save you money! Mark your calendar and set a reminder at least 30 days before your birthday each year to contact Senior65.com at 800-930-7956 to switch plans. When the time comes, use our Medigap Quote Tool to find the best Medigap plans and rates near you.

What Plans Can You Switch To?

During your birthday window, you may replace your current Medigap plan with another that offers equal or less coverage. For example, you can move from Plan G to Plan N, or switch insurers for the same benefits—no waiting periods and no health questions.

💡 Tip: Even if your benefits stay the same, prices vary widely between insurers. Use our Instant Medigap Quote Tool to compare rates before your birthday window opens.

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NEW Guaranteed Issue Rights in Delaware: Switching from Medicare Advantage to Medigap

Delaware’s new law adds an extra layer of protection for people who are leaving a Medicare Advantage plan to want to enroll in Medigap. If you disenroll during:

  • Annual Enrollment Period (AEP): October 15 – December 7
  • Medicare Advantage Open Enrollment Period (MA OEP): January 1 – March 31

You can buy any Medigap plan as guaranteed issue, meaning no health questions or underwriting during those windows. However, insurers may charge a personalized rate and apply a short waiting period for pre-existing conditions.

💡 Important: This special right applies only when returning to Original Medicare. To avoid coverage gaps, apply for Medigap before your Advantage plan ends. If you’re unsure of the timing, call 800-930-7956 for free guidance.

FAQs — Delaware Medigap Birthday Rule

Q: Who qualifies for the Delaware Birthday Rule?
A: Anyone currently enrolled in a Medigap plan in Delaware can use the rule to change plans once per year.

Q: Can I use switch from Medicare Advantage to Medigap on my Birthday?
A: No. You can switch from Medicare Advantage to Medigap without health review but you must do it either from Oct 15- Dec 7 or from Jan 1-March 31st. You are guaranteed to be approved but you may end up paying more or subject to waiting periods.

Q: What if I miss my birthday window?
A: You can apply at any time for Medigap but your application may require medical underwriting and could be denied or rated higher if 30 days has passed since your birthday. To see your chances of approval, try our AI Medigap Underwriting Checker—it’s free and gives you instant insights based on your health profile. The birthday rule is every year, so if you missed this year, you can try again on your next birthday.

Q: When does the Delaware Medigap Birthday Rule start?
A: It becomes effective January 1, 2026, for all Delaware residents with Medicare Supplement plans.

Q: Can Senior65.com help me switch plans?
A: Yes! We specialize in Medigap and can guide you through the process for free.

👉 Next Step: Use our Medigap Quote Tool or call 800-930-7956 to review your options before your next birthday.

Need Help with Medigap?

You don’t have to figure Medicare out alone. Our licensed team at Senior65.com has helped seniors navigate Medigap for over 20 years — always with free, no-pressure guidance.

Delaware’s new Birthday Rule gives you more freedom than ever to find the best price and coverage. Let us help you make the most of it.

📞 Call 800-930-7956 or get an instant Medigap quote to see today’s best rates in your area.