Medicare Birthday Rule Explained (2026) | How to Switch Medigap Plans Without Medical Underwriting

The Medicare Birthday Rule can allow you to switch Medicare Supplement (Medigap) plans without medical underwriting, but only in certain states and within a limited time window. In this video, we explain exactly how the Medicare Birthday Rule works, who qualifies, which states allow it, and how it can help you lower your Medigap premium without losing coverage.

You’ll learn the difference between the Medicare Birthday Rule and guaranteed issue rights, what plans you can switch to, and common mistakes that can cost you your eligibility. If you’re on a Medicare Supplement plan and paying too much, this rule could save you hundreds per year.

📌 Topics Covered:
• What is the Medicare Birthday Rule
• Which states have the Birthday Rule
• When you can switch Medigap plans
• Underwriting vs no underwriting
• Medicare Supplement Plan changes
• How the Birthday Rule differs from Open Enrollment

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