Switch Medigap Plans — See If You Could Save in 2 Minutes
Keep what you like. See what could cost less. No phone number or email required to see your possible savings. Only continue if the savings are worth it.
Under 2 minutes. No commitment. See your number — then decide.
CHECK MY SAVINGSBy Anthony Orner, Licensed Medicare Broker · Updated March 2026
Current Plan
New Plan
$198/mo
$112/mo
Potential Annual Savings
$1,032 / year
Rates shown are illustrative. Your savings depend on age, zip code, and carrier.
We compare 30+ carriers including
Why You Can Switch Medigap Plans Without Losing Anything
Medigap plan letters are federally standardized. Plan G is Plan G, no matter which insurance company sells it. Switching carriers changes your bill, not your benefits. Not your doctors. Not your coverage. Just the price.
Same Coverage, Different Price
Plan G from Aetna covers the exact same things as Plan G from Mutual of Omaha, Cigna, or any other carrier. Congress sets the benefits. The only difference between carriers is the monthly premium and how fast they raise it.
Your Doctors Do Not Change
Medigap plans have no networks. Any doctor in the country who accepts Original Medicare accepts your Medigap plan — regardless of which carrier issued it. Switching carriers does not affect a single doctor relationship.
Rate Increases Compound
Carriers raise rates every year. After 5 years on the same plan, you might be paying $50 to $100 per month more than a new enrollee at a different carrier for identical coverage. That is $600 to $1,200 a year you do not need to spend.
Two Ways to Switch Medigap Plans
When people say they want to switch Medigap plans, they usually mean one of two things. Each one works differently.
Switch Carriers — Same Plan Letter, Lower Rate
This is the most common switch. You keep the same plan letter (usually Plan G or Plan N) but move to a carrier with a lower premium. Your benefits stay identical. This is what the online comparison tool is built for.
Typical savings: $30 to $100 per month ($360 to $1,200 per year) depending on age, zip code, and how long you have been with your current carrier.
Switch from Medicare Advantage Back to Medigap
If you tried Medicare Advantage and want to go back to Original Medicare with a Medigap plan, you can — but timing and health matter. If you have been on Advantage for less than 12 months and had Medigap before, you may have a trial right to return without health questions. Outside that window, most states allow medical underwriting.
Important: Call before you make this switch. The rules are specific to your state and situation. Getting this wrong can mean losing access to Medigap coverage permanently.
How to Switch Medigap Plans — Step by Step
Compare carriers in your zip code
Use the online comparison tool or call 855-559-1700. An independent broker pulls rates from all carriers — not just one company.
Check your eligibility
If you are in your Open Enrollment Period or have a guaranteed issue right, no carrier can deny you. If not, your health history matters. Most healthy applicants get approved quickly.
Apply with the new carrier
Your broker handles the application. Do not cancel your current plan until the new one is approved and active.
Cancel your old plan
Once approved, send written notice to your old carrier. Most require 30 days. You get a 30-day free look period on the new plan as a safety net.
What to have ready when you call or go online:
- ✓Your Medicare number (red, white, and blue card)
- ✓Your Medicare Part B effective date
- ✓Current plan letter and carrier name
- ✓Current monthly premium amount
- ✓Your zip code (rates vary by area)
- ✓Basic health history (if outside Open Enrollment)
When Can You Switch Medigap Plans?
You can apply to switch any time of year. But whether a carrier can ask health questions depends on your situation. Here are the windows that matter.
Your 6-month Medigap Open Enrollment Period
Starts the month you turn 65 and have Part B. During this window, every carrier must accept you regardless of health. This is your strongest protection. If you are still in this window and unhappy with your current plan, switching now is risk-free.
Guaranteed Issue Rights
Federal law gives you the right to switch without health questions in specific situations: your carrier goes bankrupt, your plan leaves your area, you lose employer coverage, or you tried Medicare Advantage and want to return within 12 months. These windows usually last 63 days from the triggering event.
State Birthday Rules and Annual Windows
Some states give you additional switching windows. California, Oregon, Illinois, and others have birthday rules that let you switch to any plan with equal or lesser benefits around your birthday each year without health questions. Check with a broker to see what your state offers.
Outside Protected Windows — Medical Underwriting
If none of the above apply, you can still apply to switch any time. Most states allow carriers to ask health questions. If you are in good health, approval is usually fast — often the same day. Conditions like diabetes, COPD, or heart disease may result in a denial or higher premium. Always apply for the new plan before canceling the old one.
See If You Could Save on Your Medicare Supplement
Under 2 minutes. No commitment. See your number — then decide.
Online tool: FL, NJ, PA, TX, VA · All other states: call for free comparison
Why People Switch Medigap Plans
Most people call me after opening a rate increase letter. It is the single most common reason someone switches. On attained-age rated plans, your rate goes up every year as you get older. On top of that, carriers can raise rates across the board when claims increase. When both hit in the same year, 10 to 18 percent jumps are common.
Other people switch because a friend mentioned they are paying less for the same Plan G. That conversation usually leads to a call asking me to check rates. More often than not, there is a lower-cost carrier available.
Common reasons people switch:
- →Annual rate increase letter arrived
- →Premium has grown $50 or more since enrollment
- →Friend or family member mentioned a lower rate
- →Current broker has not reviewed coverage in years
- →Switching from Medicare Advantage back to Medigap
- →Moving to a new state and need to re-evaluate carriers
About Anthony Orner — Your Medicare Broker
I am an independent licensed Medicare broker based in New Jersey, working with clients in 35 states. Independent means I am not employed by any single insurance company. I compare plans from every carrier available in your area and recommend the one that fits your budget and health situation.
There is no cost for my help. Carriers pay brokers the same commission regardless of which plan you choose, so I have no financial reason to push one carrier over another. If switching does not make sense for your situation, I will tell you that. My job is to give you honest information and let you decide.