What Florida's law requires
Federal law doesn't require Medigap companies to sell to people under 65. Florida's does. Under s. 627.6741(1)(a)1, every company selling Medigap in Florida must offer you a policy, without health conditions or health-based pricing, if you:
- are under 65 and have Medicare because of a disability or ESRD,
- are enrolled in Part B,
- live in Florida, and
- apply during the 6 months starting with the first month you meet those conditions.
The federal Medigap guide lists Florida among the states that require companies to offer at least one kind of Medigap policy to people under 65. Florida goes further than many: its rule makes each policy a company currently sells available regardless of age (69O-156.009(1)).
What it costs
A company can't charge you more because of your health during the window, but it may use separate, higher rates for people under 65, and Florida's law expressly let companies redefine their age bands for this group. Florida's Department of Financial Services notes that rates for people on Medicare because of a disability or ESRD are higher than for people eligible because of age. We don't publish premiums; OIR's CHOICES tool shows sample rates.
When you turn 65
You get the regular 6-month Medigap open enrollment at 65, even if you already have Part B. That is your chance to apply for a new policy, often at a lower premium, with no health questions. Because Medicare counts as creditable coverage, if you've had it for more than 6 months, a new policy generally can't make you wait for pre-existing-condition coverage.
How to use the window
- Check your Part B start date. Your 6 months run from the first month you have Medicare because of a disability or ESRD and Part B.
- Ask companies for their under-65 rates. Rates for the same plan letter vary by company.
- Consider Part D. Medigap doesn't cover prescriptions; see Part D in Florida.
- Put a reminder at 65. Re-shop during your new open enrollment.
New to Medicare before 65? See Can I get Medicare before 65 in Florida? To compare Medigap policies from the companies they work with, you can request a call from a licensed insurance agent.
Related questions
When can I buy a Medicare Supplement plan in Florida?
Every window, in one place.
Medigap with pre-existing conditions
Waiting periods and credits.
Medigap after employer coverage ends
Florida's 2-month right.
Sources
- Florida Legislature — Fla. Stat. 627.6741, Issuance, cancellation, nonrenewal, and replacement
- Florida Administrative Code — Chapter 69O-156, Medicare Supplement (rule .009, Open Enrollment)
- Florida Office of Insurance Regulation — CHOICES Rate Comparison Search
- CMS — Choosing a Medigap Policy (March 2026), Medigap for people under 65
More questions in this guide
- 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?
Part of the guide: Medigap (Medicare Supplement) in Florida · All questions
Frequently asked questions
Does Florida's under-65 rule cover ESRD as well as disability?
Yes. Fla. Stat. 627.6741(1)(a)1 names both: people under 65 eligible for Medicare by reason of a disability or end-stage renal disease. Some states cover only disability; Florida covers both.
Which Medigap plans can I buy under 65 in Florida?
Florida's rule 69O-156.009(1) says each policy a company currently sells must be available to qualifying applicants regardless of age. Plans C and F are still limited to people eligible for Medicare before January 1, 2020.
What if I missed my under-65 window?
You may still qualify later: Florida's 2-month window after group health coverage ends covers people under 65, and some federal guaranteed-issue rights do too. Otherwise, companies can use health questions until your open enrollment at 65.
Medicare in your Florida county
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