Seniors in Indiana who have Medicare Supplement (Medigap) plans now have a new option to potentially save money on premiums, thanks to a law taking effect January 1, 2026.
Previously, changing Medigap policies could be challenging, especially for those with preexisting health conditions. Federal rules typically only guarantee Medigap enrollment during the first six months after someone turns 65 and enrolls in Medicare Part B, or in certain special circumstances. Outside these periods, seniors could switch plans only if an insurance company agreed to accept them.
Under the new Indiana “birthday rule” (HEA 1226), anyone 65 or older with a Medigap plan will have a guaranteed opportunity to switch to another insurance company within 60 days of their birthday each year.
Key points of the law:
-
Guaranteed acceptance: Insurance companies must accept applicants regardless of preexisting conditions.
-
Same plan required: Seniors are only guaranteed to switch to the same lettered Medigap plan they currently have. For example, someone with a Plan G can switch to another company’s Plan G, but not to a Plan N or Plan F.
-
Premiums can vary: Companies can still adjust rates based on age, gender, zip code, and tobacco use.
This new law is aimed at helping seniors shop around for lower premiums without risking denial due to health issues. To switch plans, seniors can contact insurance companies directly or work with a licensed agent or broker.
If an insurance company denies enrollment, the Indiana Department of Insurance can assist with complaints.
For more information about Medicare and Medigap options, seniors can contact SHIP at (800) 452-4800, or visit www.medicare.in.gov. SHIP also provides updates and resources on Facebook, Twitter, LinkedIn, and YouTube.
This law offers a welcome opportunity for Indiana seniors to manage their healthcare costs while maintaining the coverage they rely on.