Medigap has no annual switching window, but healthy and higher-risk applicants have different paths to a new plan: medical underwriting anytime, or a state Birthday Rule/guaranteed issue window as a secondary option.

A full breakdown of the health costs Original Medicare excludes in 2026, and where Medigap and other coverage can help.

The Medigap trial right lets you switch back to Medicare Supplement within 12 months of trying Medicare Advantage, guaranteed issue, no health questions asked.

Plan N’s lower premium comes with tradeoffs on excess charges, copays, and provider billing that a quick sales pitch often skips.

Retiring at 67 can still qualify you for guaranteed-issue Medigap with no medical underwriting, but only if you time your first Part B enrollment correctly.

Ten questions to work through before buying a Medigap policy, from plan letter fit to pricing method to what happens if you want to switch later.

Starting January 1, 2027, New Mexico Medigap policyholders get a yearly 60-day window to switch plans without health questions.

Since June 11, 2026, eligible West Virginia Medigap policyholders get a yearly 60-day window to switch to a lower-cost plan from their current insurer without health questions.

How Florida’s issue-age Medigap pricing and nationwide plan portability affect snowbirds and year-round residents differently.

Whether you need Medicare Part B while still working depends mainly on your employer’s size. Here’s how the rules work and what changes once you leave the job.