Medigap News & Analysis
2 articles
Market Mood
Medigap Guaranteed-Issue Window Opens for 6 Months at Age 65
Americans receive a one-time, 6-month guaranteed-issue window for Medigap coverage upon enrolling in Medicare Part B at age 65. After this period, insurers in 46 states can deny coverage based on health history permanently. Currently, 42% of Traditional Medicare beneficiaries have a Medigap policy, and this percentage rises to about 80% among those without employer or Medicaid coverage. This information highlights the importance of timely enrollment for securing supplemental insurance, which can greatly affect out-of-pocket costs for retirees.
Read More: Medigap Guaranteed-Issue Window Opens for 6 Months at Age 65
Medigap Plan G Costs $180-$250 vs Medicare Advantage $14 in 2026
In 2026, the typical premium for Medigap Plan G ranges from $180 to $250 per month, while Medicare Advantage plans average $14 monthly. The annual Part B deductible is set at $283. In-network medical expenses for Medicare Advantage can lead to out-of-pocket costs of up to $9,350, while out-of-network care could result in expenses up to $14,000. The Plan G option limits annual out-of-pocket costs to essentially zero after the deductible, making it a potentially safer financial choice for retirees.
Read More: Medigap Plan G Costs $180-$250 vs Medicare Advantage $14 in 2026