What happens to my Medigap if I move to Florida?

Your policy usually moves with you

CMS's guide says you can generally keep your current Medigap policy "regardless of where you live as long as you still have Original Medicare." Medigap has no network, so a policy bought in New York, Ohio or New Jersey works in Florida, which also suits snowbirds; see snowbirds and Medicare.

Your premium may change

Medigap prices depend partly on where you live. In Florida, companies may vary rates by age, gender, area and tobacco use (Fla. Admin. Code 69O-156.012(3)(d)). Your policy was filed under your old state's rules, so ask your company how a Florida address affects your premium. If you later buy a new policy here, Florida's rules apply: no attained-age pricing (Fla. Stat. 627.410(6)(d)3) and rates approved by the Office of Insurance Regulation.

Switching after the move

There is no federal or Florida right to switch Medigap policies just because you moved. Some states give extra switching rights, such as a yearly window; those rights come from the state where the policy is sold, so they don't come with you to Florida, which has no birthday rule. You can switch without health questions in Florida only if:

• you're still within your 6-month open enrollment (65 or older and in Part B);
• group health coverage ended within the past 2 months (Fla. Stat. 627.6741(1)(a)2);
• you had a Medicare SELECT policy and moved out of its area: you can buy Plan A, B, D or G sold in Florida, or a SELECT policy offered here;
• you had a Medicare Advantage plan and moved out of its area, and you return to Original Medicare: Plan A, B, D or G (C or F if eligible before 2020), from 60 days before to 63 days after the plan ends.

Moving checklist for Medigap

1. Keep paying your premium so the policy doesn't lapse.
2. Update your address with the Medigap company and with Social Security.
3. Review your Part D plan. Part D plans are regional, and Florida is its own region, so a permanent move usually means choosing a Florida Part D plan.
4. Compare before switching. If you apply for a Florida policy, keep your old one until you're approved.

More on moving to Florida with Medicare and moving from New York. To compare Medigap policies from the companies they work with, you can request a call from a licensed insurance agent.

Related questions

Sources

• CMS — Choosing a Medigap Policy (March 2026), Section 5, If I move out of state
• Florida Administrative Code — Chapter 69O-156, Medicare Supplement (rules .012 and .0095)
• Florida Legislature — Fla. Stat. 627.6741, Issuance, cancellation, nonrenewal, and replacement
• Florida Legislature — Fla. Stat. 627.410, Filing, approval of forms
• eCFR — 42 CFR 422.74, Disenrollment by the MA organization

More questions 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?
• When can I buy a Medicare Supplement plan in Florida?

Part of the guide: Medigap (Medicare Supplement) in Florida · All questions

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