Posted on Oct. 13th, 2025

Medigap policies — Also known as Medicare Supplement Insurance — help cover costs not paid by Original Medicare, such as deductibles, coinsurance, and copayments.

For 2026, Individuals may see changes in monthly premium based on carrier rates. This means that some MEDIGAP carrier could adjust their structure or pricing to reflect new regulations and market trends. Beneficiaries should take time to review their options carefully at any time to make sure they explore other carrier premium rates that could be lower than what they currently paying. 

Enrollment Periods and Deadlines

The standard Medicare Annual Enrollment Period remains October 15 – December 7 each year.

However, additional special enrollment opportunities may be available for individuals impacted by plan changes, carrier withdrawals, or public health emergencies. If your plan or provider is making changes in 2026, you might qualify for a special period to switch or update your coverage.

What You Should Do

The 2026 plan year brings significant shifts — with some plans being discontinued and carriers exiting several cities and states. Staying informed is crucial to protect your coverage and avoid unexpected gaps.

Here’s what you can do:

• 📞 Call for a free Medicare review to find out how any of the 2026 changes may affect your coverage.
• 🗺 Get a local, personalized recommendation and explore all options available before making any plan changes.
• ⚠️ If your current plan is with Aetna, UnitedHealthcare, or Kaiser, contact me today or click to schedule an appointment for expert guidance on how the 2026 updates will affect your plan.

As your local Medicare broker, I’m here to help you every step of the way — ensuring you make confident, informed decisions for your healthcare coverage.