The Florida windows, one by one
| Window | Who | How long |
|---|---|---|
| Medigap open enrollment | 65 or older and enrolled in Part B | 6 months from the first month both are true; once |
| Under-65 window (Florida) | Medicare because of a disability or ESRD, enrolled in Part B | 6 months from the first month both are true |
| Group coverage ends (Florida) | In Part B, living in Florida | 2 months after group health coverage ends |
| Federal guaranteed issue | Specific events (see below) | Generally up to 63 days after coverage ends |
The first three come from Fla. Stat. 627.6741(1)(a). In each, a company must offer you a policy without conditioning it on your health and without charging more because of your health.
Your best time: open enrollment at 65
The 6-month window starts the first month you are 65 or older and have Part B. If you delay Part B because you're still working with employer coverage, the window waits until you enroll. It happens once and doesn't repeat. During it, a company must sell you any policy it offers in Florida, and with at least 6 months of continuous creditable coverage it can't make you wait for pre-existing-condition coverage (rule 69O-156.009).
Federal guaranteed-issue situations
Florida's rule 69O-156.0095 carries the federal rights. You can generally apply from 60 days before your coverage ends until 63 days after when:
- Your Medicare Advantage plan leaves Medicare, 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.
- You're within the first year of trying Medicare Advantage (the trial right).
- Your Medigap company goes bankrupt, ends your coverage through no fault of yours, or misled you.
Some Medicare Advantage plans are ending in Florida for 2027, affecting at least 302,773 people in regular plans. If yours sent a non-renewal letter, see Florida plans ending in 2027.
How to use your window
- Mark your dates. Write down when Part B starts, or when your group coverage or plan ends.
- Keep the paperwork. Save letters or notices showing when other coverage ends; the company may ask for them.
- Compare plan letters, then prices. Benefits are standardized by letter. OIR's CHOICES tool shows sample rates.
- Apply before the window closes. You can also request a call from a licensed insurance agent to compare policies from the companies they work with.
Related questions
Does Florida have a Medigap birthday rule?
No, and what that means.
Can I get Medigap under 65 in Florida?
Disability and ESRD.
Medigap after employer coverage ends
Florida's 2-month right.
Medigap with pre-existing conditions
Waiting periods and credits.
Sources
- Florida Legislature — Fla. Stat. 627.6741, Issuance, cancellation, nonrenewal, and replacement
- Florida Administrative Code — Chapter 69O-156, Medicare Supplement (rules .009 and .0095)
- Florida Office of Insurance Regulation — CHOICES Rate Comparison Search
- CMS — Choosing a Medigap Policy (March 2026)
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?
- What happens to my Medigap if I move to Florida?
Part of the guide: Medigap (Medicare Supplement) in Florida · All questions
Frequently asked questions
Is there a yearly Medigap enrollment period like Medicare Open Enrollment?
No. Medicare Open Enrollment (October 15 to December 7) is for Medicare Advantage and Part D plans. Medigap has no yearly enrollment period, and Florida has no birthday rule.
Can a company make me wait for coverage during open enrollment?
Only for a pre-existing condition, for up to 6 months, and not at all if you had at least 6 months of continuous creditable coverage before applying (Fla. Stat. 627.6741 and rule 69O-156.009).
What happens if I apply outside these windows?
The company can ask health questions, charge more based on your health or turn you down. Florida bars it from canceling a policy it has issued except for unpaid premiums or misrepresentation.
Medicare in your Florida county
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