50 states + DC · Statute-cited

Medigap rules by state

The federal 6-month Medigap Open Enrollment Period applies in every state. Beyond that federal floor, four states have continuous or annual guaranteed-issue (CT, ME, MA, NY), two states operate a birthday-rule annual switching window (CA, OR), and three states don’t use the federal 10-letter system at all (MA, MN, WI). Find your state below.

Continuous or annual GI (CT, ME, MA, NY)
Birthday rule (CA, OR)
Structural exception — non-letter system (MA, MN, WI)
Federal-floor (default)

About the categories:“GI-friendly” means the state requires guaranteed-issue beyond the federal 6-month floor. “Birthday rule” means the state lets policyholders switch annually around their birthday without underwriting. “Structural exception” means the state operates a Medigap plan structure that doesn’t use the federal A–N letters — the federal 6-month OEP guaranteed-issue rules still apply, but the plan letters don’t. “Federal floor” means the federal 6-month OEP is your primary guaranteed-issue window in this state; outside that window, in most cases, insurers may medically underwrite, deny, or surcharge.

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Jump straight to a representative state page for each Medigap rule regime.