Florida Medigap for people under 65: the six-month window

How Florida guarantees Medigap access to under-65 Medicare beneficiaries, how long the window lasts, what it costs, and the second window at 65.

Federal Medigap protections are built around turning 65. People who get Medicare earlier, through disability, ALS or kidney failure, are not guaranteed a supplement under federal law. Florida is one of the states that fills that gap.

Florida's under-65 window

Since 2009, Florida residents under 65 who enroll in Medicare Part B get a six-month window starting when Part B begins. During that window, insurers selling Medigap in Florida must accept them regardless of health.

The catch: price

Insurers can charge under-65 enrollees more than 65-year-olds, and they usually do. Some plan letters may cost significantly more. Compare several insurers, and compare the Medigap premium plus expected costs against Medicare Advantage options in your county.

The second window at 65

When you turn 65, you get the standard federal Medigap open enrollment period: six months starting the month you are 65 and enrolled in Part B. You can buy any Medigap plan at the 65-year-old rate without health questions. Many under-65 enrollees switch then to a lower premium.

Plans to compare

Plan G and Plan N are the most common choices for new enrollees; this break-even comparison explains the trade-off. For lower premiums with a cap, high-deductible Plan G is worth a look.

Where to get help

Florida's SHINE program (Serving Health Insurance Needs of Elders) offers free Medicare counselling: floridashine.org or 1-800-963-5337. The Florida Office of Insurance Regulation publishes a Medigap premium comparison by county. For agent help comparing Florida Medigap carriers, see Maru Insurance's Florida Medicare Supplement page.

Questions people ask

Can people under 65 buy Medigap in Florida?

Yes. Florida gives a six-month guaranteed window starting when Part B begins.

Do under-65 enrollees pay more?

Usually yes; insurers may charge more than for 65-year-olds.

Is there another chance at 65?

Yes, the federal six-month Medigap open enrollment period.

Where can I get free advice in Florida?

SHINE, Florida's State Health Insurance Assistance Program.

Independent educational site. Not affiliated with or endorsed by the U.S. government, the federal Medicare program, or any insurance company. Figures are 2026 amounts published by CMS unless noted; check Medicare.gov for your situation.