Should I switch to Medigap Plan G before 2020?

Plan F will no longer be available after 2020...what should I do?

by Chris Mihm+ on Nov 18, 2018 | 3 Comments

CLIENT QUESTION: Hello. I turn 65 this month and have enrolled in a Plan F attained-age policy.  Plan F will no longer be available for those new to Medicare after 2020. I am wondering if I should switch to Plan G while I can, in the next few months.

Why do I think this? Well, the average age of the plan F membership will increase with time, due to the lack of inflow of new (younger and healthier) members. Will that lack of new (younger and healthier) members cause the Plan F membership’s average costs to rise significantly more than Plan G membership? I hope that my question makes sense.

Your question totally makes sense and you are not alone. Many experts and clients are speculating that F prices will increase faster than G after 2020 but no one knows for sure.  We think it is very probable but will not be immediate due to the shear size of the Plan F’s risk pool. 

One thing we can tell you for sure: switching from F to G in the future will usually require medical underwriting.  Unless you live in the few states that have the Medigap birthday rule or similar, you can be turned down when you try to downgrade.
If you are concerned about this, now is the time to make the switch while you are still in your initial enrollment period.  You can get a quote for Medigap Plan G here or give us a call at 800-930-7956 and we can help you switch over the phone with no fee or hidden charge. 

-Chris from

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Reader Comments and Questions

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By Paul on June 19, 2019

I am 85 years old with significant heart disease and diabetes (type 2). I currently have Medicare F plan.. I live in Iowa but I don't know if I would have trouble switching to plan g.

You would be subject to medical underwriting to switch from Medigap F to G unless you qualified for Medicare Special Enrollment. If it is a price issue, you may also want to consider a Medicare Advantage plan. Give us a call to discuss.
-Michelle from

By Raymond on April 20, 2019

I am a 52 year old male with Myeloma (incurable bone/blood cancer). After two years of Social Security Disability, I will be eligible for Medicare as of Nov. 1, 2019. In short, I have had, and anticipate, enormous medical costs each year and for the foreseeable future, making Plan F or G temping to me. It appears the current consensus is that Plans F and G will experience extreme premium increases going forward. I would like to ask if that might NOT happen as expected. My reasoning is that the historically high unpredictability of claims, due to forced acceptance of new enrollments, has forced actuaries to include higher uncertainty risk adjustments to their premiums. As the pool becomes more stable, although obviously with high claims, couldn't these uncertainties be expected to reduce, lessening upward pressure on premiums?

It is still too hard to say now what will happen but your reasoning makes sense too. We have seen prices actually go down in a few regions in the past so it is possible. We will just have to wait until we have more information.

When you become eligible for Medicare we would love to help you enroll in Plan F or G. Give us a call!
-Michelle from

By LINDA on April 15, 2019

I am enrolled in the F plan. i am 68 years old.............i have MS should I SWITCH TO THE g now

Switching to G can often save you money. Depending on your state and situation, you may have to go through medical underwriting before being approved on a G. If you would like to discuss the best choice for you please give us a call. If you decide to switch, we can help you. Please remember that you probably would have to go through medical underwriting.
-Michelle from

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