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Policy state

What is currently true about federal Medigap rules and each state’s Medigap protections beyond the federal floor, with the last-verified date for each claim. Federal limits update annually each October–November when CMS publishes new plan-year rating materials. State Medigap rules update independently. A stale claim breaks YMYL trust, so we surface every claim with its primary source and pinned date.

Federal claims

States with rules beyond the federal floor (8 states)

These states operate Medigap rules in addition to the federal 6-month OEP. Each state-specific claim is pinned to a state-DOI or medicare.gov state-Medigap primary URL with a verified date.

  • California — California Department of Insurance — Medicare Supplement Insurance · last verified
  • Connecticut — Connecticut Insurance Department — Medicare Supplement · last verified
  • Maine — Maine Bureau of Insurance — Buying or switching Medicare Supplement outside Open Enrollment · last verified
  • Massachusetts — medicare.gov — Compare Medigap plan benefits (Massachusetts) · last verified
  • Minnesota — medicare.gov — Compare Medigap plan benefits (Minnesota) · last verified
  • New York — New York Department of Financial Services — Information for Medicare beneficiaries · last verified
  • Oregon — Oregon SHIBA — Medigap (birthday rule) · last verified
  • Wisconsin — medicare.gov — Compare Medigap plan benefits (Wisconsin) · last verified

Federal-floor states (43 states)

In these states the federal 6-month Medigap Open Enrollment Period (per 42 U.S.C. § 1395ss) is the primary guaranteed-issue window — these state DOIs do not publish state-specific Medigap rules beyond the federal floor. The federal source citation is pinned on every page; the state DOI is surfaced as the venue for Medigap complaints and premium disputes.

Annual review cycle

Each year in October–November, CMS publishes new plan-year rating materials for the following calendar year (annual deductibles, K/L out-of-pocket limits, premium ranges). At that time, we trigger an annual review across the federal claims, refresh PolicyStatePin dates, and update the K/L 2027 limits in the plan-letter pages. Per-state cron triggers run on state Medigap rule changes (manual right now; automated state-DOI watch is a backlog item).

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