Medigap Birthday Rule

8/24/2026

This is an annual opportunity to review and compare Medigap plans from insurance providers to find potentially more cost-effective options. It helps prevent being locked into a plan with increasing premiums.

• The “Birthday Rule” applies exclusively to Medicare Supplement (Medigap) plans and not Medicare Advantage plans.

• There is no need to answer medical questions or risk coverage denial due to pre-existing conditions.

• The 61-day enrollment window (for Oregon) includes the 30 days prior to your birthday, your birthday itself, and the 30 days following. In some states, the enrollment window differs; please check your state’s enrollment parameters.

• To take advantage of this rule, you must already be enrolled in a Medigap policy.

• You may switch to any participating insurer and select a Medigap plan that offers benefits equal to or lesser than your current coverage.