Medigap (Medicare Supplement) in Florida

Quick answers

When is my Medigap open enrollment period?

The 6 months that start the first month you are both 65 or older and enrolled in Part B. During it, a company can't turn you down or charge you more because of your health. It happens once.

Does Florida have a Medigap birthday rule?

No. Florida's Medigap law (Fla. Stat. 627.671–627.675) and rule (Fla. Admin. Code 69O-156) have no birthday, anniversary or yearly switching right.

Can I buy Medigap in Florida if I'm under 65?

Yes, if you have Medicare because of a disability or ESRD. Fla. Stat. 627.6741 gives you a 6-month window once you're in Part B, and you get another open enrollment at 65.

What if my employer or other group health coverage ends?

Florida law gives you 2 months after group health coverage ends to buy a Medigap policy with no health questions, if you're in Part B and live in Florida.

Can my Medigap premium go up just because I get older?

Not under attained-age pricing, which Florida law bans for Medigap. Premiums can still rise for everyone in a plan, with the Office of Insurance Regulation's approval.

What is Medigap?

Medigap, also called Medicare Supplement Insurance, is a policy sold by private insurance companies to people who have Original Medicare (Part A and Part B). It pays some or all of the costs Original Medicare leaves to you, such as the Part A hospital deductible, the 20% Part B coinsurance and skilled nursing facility coinsurance. Current amounts are on Medicare costs in 2026 and Medicare costs in 2027.

• Medigap works only with Original Medicare. You can't use it with a Medicare Advantage plan.
• It doesn't include drug coverage, so most people also join a Part D drug plan. Florida is its own Part D region, with 11 standalone Part D plans for 2027.
• You pay a monthly premium to the Medigap company on top of your Part B premium. Each policy covers one person; spouses buy separate policies.
• The benefits of each plan letter are set by federal law. Florida's Office of Insurance Regulation (OIR) approves the policy forms and rates sold here.

Of the 5,344,538 people with Medicare in Florida (July 2026, CMS), 2,292,590 were in Original Medicare, the group that can use Medigap.

What are Florida's Medigap rules?

Florida's Medigap law is Part VIII of Chapter 627 of the Florida Statutes (ss. 627.671–627.675), and OIR's working rule is Florida Administrative Code Chapter 69O-156. What they mean for you:

Does Florida have a birthday rule?

No. Some states give policyholders a yearly window, often around their birthday or policy anniversary, to switch without health questions. Florida's statute and rule contain no such right. The only times a company must accept you regardless of your health are the windows on this page and the federal guaranteed-issue situations. See Does Florida have a Medigap birthday rule?

When should I buy? Your Medigap open enrollment period

Your 6-month Medigap open enrollment begins the first month you are both 65 or older and enrolled in Part B. It happens once. During it, a company:

• Must sell you any Medigap policy it offers in Florida.
• Can't deny you or charge you more because of your health.
• Can't exclude a pre-existing condition if you had at least 6 months of continuous creditable coverage; with less, a shorter waiting period may apply (69O-156.009).

Florida's 2-month right after group coverage ends

Florida law requires companies to offer a Medigap policy, with no health questions and no health-based price, to anyone 65 or older (or under 65 with Medicare because of a disability or ESRD) who is in Part B, lives in Florida, and applies "during the 2-month period following termination of coverage under a group health insurance policy" (s. 627.6741(1)(a)2). It runs alongside the federal 63-day right and isn't limited to the plan letters the federal right lists. See Medigap after employer coverage ends.

Medigap under 65 in Florida

Federal law doesn't require companies to sell Medigap to people under 65, but Florida's does, for both disability and ESRD:

• When: the 6 months beginning with the first month you have Medicare because of a disability or ESRD and are enrolled in Part B.
• Which policies: each policy a company currently sells must be available to qualifying applicants regardless of age (69O-156.009(1)). Plans C and F stay limited to people eligible for Medicare before 2020.
• Price: the company can't price by your health in this window, but under-65 rates are usually higher than rates at 65.
• At 65: you get a new Medigap open enrollment and can apply for a new policy, often at a lower premium.

More on Medigap under 65 in Florida.

When else can I buy Medigap without health questions?

Federal guaranteed-issue rights apply in Florida through rule 69O-156.0095. A company can't deny you, charge you more for your health or make you wait for pre-existing-condition coverage when:

• Your Medicare Advantage plan leaves Medicare or stops serving your area, or you move out of its service area, and you return to Original Medicare.
• Employer or union coverage that pays after Medicare ends, including retiree and COBRA coverage.
• Trial right: you joined a Medicare Advantage plan or PACE when first eligible at 65, or dropped Medigap to try Medicare Advantage for the first time, and you leave within the first year.
• Your Medigap company goes bankrupt, ends your coverage through no fault of your own, or broke the rules or misled you.

You can generally apply as early as 60 days before your coverage ends and no later than 63 days after. Depending on the situation, you can buy Plan A, B, D or G (C or F instead if you were eligible for Medicare before 2020), or in the first trial-right case any policy sold in Florida. Keep the letter or notice showing when your coverage ends.

How are Medigap premiums priced in Florida?

For the same plan letter, benefits are identical from company to company, but prices are not. Florida sets these limits:

• No attained-age pricing: s. 627.410(6)(d)3 bans attained-age premium structures on forms where most policies go to people 65 or older. Florida's Department of Financial Services (DFS) describes Florida policies as sold on an issue-age basis: your premium doesn't rise just because you get older, though a new policy is priced on your age when you apply.
• Limited rate classes: companies may vary rates only by age, gender, area and tobacco use (69O-156.012(3)(d)).
• Prior approval: a company can't use or change rates until OIR approves them (69O-156.012(2)), and increases apply to a whole class of policyholders, not one person's claims.
• Loss ratios: individual policies must pay out at least 65% of premiums in benefits, group policies 75% (s. 627.6745(1)).

OIR's CHOICES rate comparison tool shows sample Medigap rates for illustration; ask a company or a licensed insurance agent for an actual quote.

Other Florida protections

• Guaranteed renewable: a company can cancel or not renew only for unpaid premiums or material misrepresentation (s. 627.6741(2)(a)).
• Pre-existing conditions: a waiting period can't exceed 6 months, and can only count conditions treated or advised on within 6 months before coverage starts (s. 627.6741(2)(b)).
• If you get Medicaid: you can suspend your Medigap benefits and premiums for up to 24 months, and get the policy back if you tell the company within 90 days of losing Medicaid (s. 627.6744(4)).
• No high-pressure sales: Florida bars Medigap marketing that uses "force, fright, threat" or hides that an agent or company will contact you (s. 627.6743(3)).

Florida doctors and Medicare assignment

Plans F and G pay Part B excess charges, the extra amount (up to the federal limit) a doctor who doesn't accept assignment may bill. Florida limits these charges in two cases (s. 456.056): doctors must accept Medicare assignment for emergency care, and if your primary doctor accepts assignment, consulting doctors must too unless you agree otherwise in writing beforehand. Otherwise, federal limits apply.

What do the Medigap plan letters cover?

Every plan pays Part A coinsurance and hospital costs for 365 extra days after Medicare benefits are used up, plus at least part of the Part B coinsurance, the first 3 pints of blood and hospice coinsurance. The main differences:

• *Plans C and F can't be sold to people who became eligible for Medicare on or after January 1, 2020.
• Skilled nursing coinsurance: Plans C, D, F, G, M and N pay it in full; K pays 50% and L 75%; A and B don't.
• Plans K and L have a yearly out-of-pocket limit: $8,360 for Plan K and $4,180 for Plan L in 2027.
• Plan N has copayments of up to $20 for some office visits and up to $50 for emergency room visits that don't lead to an admission.
• High-deductible Plan G (and F, for those who can buy it) has a $3,050 yearly deductible in 2027.
• Foreign travel emergency (Plans C, D, F, G, M and N) pays 80% of emergency care outside the U.S. in the first 60 days of a trip, after a $250 deductible, up to a $50,000 lifetime limit.

Medicare SELECT in Florida

A Medicare SELECT policy is a Medigap policy that requires you to use certain hospitals, and in some cases doctors, for full benefits; it generally costs less. Florida's rules for SELECT are in 69O-156.030. Florida law also lets Medigap companies contract with hospitals that agree to waive all or part of the Part A deductible (s. 627.6741(6)).

Moving to Florida or living here part of the year

Medigap has no network. It pays its share for Medicare-covered care anywhere in the U.S., which suits snowbirds. If you move to Florida, you can generally keep your current policy as long as you keep Original Medicare. Other states' switching rules don't come with you. See moving to Florida with Medigap, moving to Florida with Medicare and snowbirds and Medicare.

Medigap or Medicare Advantage?

Medicare Advantage plans use networks and service areas, have a yearly out-of-pocket limit and usually include drug coverage. Medigap plus a Part D plan works with any provider who accepts Medicare. Because Florida has no birthday rule, the choice you make at 65 matters: moving from Medicare Advantage to Medigap later may mean health questions unless you have a guaranteed-issue right. Compare them on Medigap vs. Medicare Advantage in Florida.

Where can I get help with Medigap in Florida?

• Florida Department of Financial Services: takes complaints about Medigap companies and agents. Insurance Consumer Helpline 1-877-693-5236 (1-877-MY-FL-CFO) or its Division of Consumer Services. Check an agent's license with DFS Licensee Search and a company's with the Active Company Search.
• Office of Insurance Regulation: approves Medigap forms and rates.
• Medicare: 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048) and the federal guide Choosing a Medigap Policy.

To see Medigap policies sold where you live, see plans for your ZIP code. To compare Medigap policies from the companies they work with, you can request a call from a licensed insurance agent, or meet licensed insurance agents in Florida.

Sources

• Florida Legislature — Fla. Stat. 627.671, Medicare supplement reform; short title (Part VIII, ss. 627.671–627.675)
• Florida Legislature — Fla. Stat. 627.6741, Issuance, cancellation, nonrenewal, and replacement
• Florida Legislature — Fla. Stat. 627.674, Minimum standards; filing requirements
• Florida Legislature — Fla. Stat. 627.6743, Standards for marketing
• Florida Legislature — Fla. Stat. 627.6744, Recommended purchase and excessive insurance
• Florida Legislature — Fla. Stat. 627.6745, Loss ratio standards; public rate hearings
• Florida Legislature — Fla. Stat. 627.410, Filing, approval of forms (rating practices, (6)(d))
• Florida Legislature — Fla. Stat. 456.056, Treatment of Medicare beneficiaries
• Florida Administrative Code — Chapter 69O-156, Medicare Supplement (rules .009, .0095, .012, .030)
• Florida Office of Insurance Regulation — CHOICES Rate Comparison Search
• Florida Department of Financial Services — Division of Consumer Services
• CMS — Choosing a Medigap Policy (March 2026)
• Medicare.gov — Compare Medigap plan benefits
• CMS — Out-of-pocket limits for Medigap Plans K and L, 2027
• CMS — Deductible for Medigap high-deductible options, 2027

Every question in this guide

• Can I get Medigap under 65 in Florida?
• Can I switch Medigap plans in Florida?
• Does Florida have a Medigap birthday rule?
• Can I buy Medigap without health questions after my employer coverage ends in Florida?
• Can I get a Medicare Supplement with pre-existing conditions in Florida?
• What happens to my Medigap if I move to Florida?
• When can I buy a Medicare Supplement plan in Florida?

Frequently asked questions

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