How switching works in Florida
Federal law gives no general right to switch Medigap policies, and Florida adds none: its Medigap law (Fla. Stat. 627.671–627.675) and rule (Fla. Admin. Code 69O-156) have no birthday, anniversary or annual switching right. So outside the windows below, switching means medical underwriting: the new company reviews your health and decides whether to accept you and at what rate class.
You can switch with no health questions only when:
- you're still within your 6-month Medigap open enrollment that started at 65 with Part B;
- your group health coverage ended in the past 2 months (Florida's right, s. 627.6741(1)(a)2);
- you're in a federal guaranteed-issue situation, such as your Medigap company going bankrupt or misleading you, or your first year after trying Medicare Advantage.
Protections when you do switch
- 30 days to decide: you can return a new policy within 30 days of receiving it for a full premium refund (s. 627.674(4)(d)). Pay both premiums for that month and cancel the old policy only after you decide to keep the new one.
- Credit for time served: the new company must count time under your old policy toward any pre-existing-condition waiting period for similar benefits (s. 627.6741(2)(c)). A benefit your old policy lacked can still have a waiting period of up to 6 months.
- No duplicate policies: a company can't sell you a second Medigap policy unless it replaces the first in writing (s. 627.6744).
- Price on your current age: a new policy is rated on your age at application, but Florida bars attained-age premium structures (s. 627.410(6)(d)3), so it won't rise automatically as you age afterward.
How to switch safely
- Compare the same letter. A Plan G is the same everywhere; only price, rate history and service differ.
- Apply before canceling. Never drop your current policy until the new company approves you in writing. Once canceled, you may not get it back.
- Answer health questions truthfully. A company can cancel for material misrepresentation (s. 627.6741(2)(a)).
- Cancel the old policy after the 30 days. The old company will tell you how.
Thinking of moving to Medicare Advantage instead? See Medigap vs. Medicare Advantage in Florida; coming back to Medigap later may mean health questions. To compare Medigap policies from the companies they work with, you can request a call from a licensed insurance agent.
Related questions
Does Florida have a Medigap birthday rule?
No, and what that means.
Medigap with pre-existing conditions
Waiting periods and credits.
When can I buy a Medicare Supplement plan in Florida?
Every window, in one place.
Sources
- 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. 627.6744, Recommended purchase and excessive insurance
- Florida Legislature — Fla. Stat. 627.410, Filing, approval of forms
- CMS — Choosing a Medigap Policy (March 2026), Section 5, If you already have a Medigap policy
More questions in this guide
- Can I get Medigap under 65 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
Will switching Medigap companies raise my premium because I'm older?
A new policy is priced on your age when you apply, so it may cost more than a policy you bought years ago. Florida bans attained-age pricing, so once you have a policy its premium won't rise just because you age, though it can rise for the whole group.
Can I switch from Plan G to Plan N with the same company without health questions?
Florida law gives no right to do that. Some companies may allow it, but they can ask health questions. Ask your company how it handles plan changes.
Do I lose credit for pre-existing conditions when I switch?
No, for the same benefits. Florida law requires the new company to credit time you spent under your old policy against any pre-existing-condition waiting period (Fla. Stat. 627.6741(2)(c)).
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