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Indiana gives you a Medigap switching window around every birthday.
Every year, from 31 days before your birthday to 31 days after, you can move your Medigap plan to another company with the same benefits and no health questions. See your dates, then compare Medigap and Medicare Advantage.
When is your Indiana birthday window?
Enter your birthday. Nothing is saved or sent until you choose to request quotes.
Appointed with Mutual of Omaha, Aetna, HealthSpring, UnitedHealthcare and many others. When we quote a Medicare Supplement, we show each company’s past rate increases, not just today’s price.
Medigap or Medicare Advantage in Indiana?
The right choice depends on your doctors, where you spend the year, and how you want to pay for care. Here is how the trade-off plays out in Indiana.
How the Indiana birthday rule works
Indiana’s rule is about shopping companies for the same plan. It protects you when your current company raises rates.
Sources: Indiana SHIP, in.gov/ship; House Enrolled Acts 1226 (2025) and 1260 (2026). Compare every state in our Medigap rules by state tracker.
- Your windowFrom 31 days before your birthday to 31 days after, every year.
- What you can buyThe same plan letter you have now, including its variations (for example Plan G to Plan G), from any company selling that plan in Indiana.
- Who qualifiesPeople 65 and older who already have a Medigap plan in force.
- Timing tipThe new policy starts the first of the month after you apply. Keep your old policy until the new one is in effect.
- Other doorsYour 6-month window at 65 and the federal guaranteed-issue rights still apply. If your Advantage plan is leaving.
On Medicare before 65 in Indiana
Indiana expanded its protection for people on Medicare because of a disability or ESRD in 2025.
Source: Indiana SHIP, Medicare Supplement Guaranteed Issue (SEA 215).
- Which plansAny company that sells a Medigap plan to people 65 and older must make the same plan available to you.
- Your windowA 6-month guaranteed-issue window starting the first day of the month your Medicare begins.
- PricePrices before 65 can be higher, so we compare which companies price this group fairly.
- At 65You get a new 6-month open enrollment at 65 with every plan and company open to you.
Price is today. Rate history is the next ten years.
Every Plan G pays the same benefits, so companies compete on price. But many Medigap policies are priced by your current age, so the premium rises as you get older, on top of any rate increases the company files with Indiana regulators. Two companies can quote nearly the same price today and be far apart in five years.
Spending winters in Florida or Arizona?
Plenty of Hoosiers head south for the winter. How your coverage travels matters as much as its price.
Source: Medicare.gov rules on moving, special enrollment periods and Medigap coverage.
- Medicare AdvantageMost plans cover only emergencies and urgent care outside their service area, and a plan can end your enrollment after 6 months in a row away.
- MedigapOriginal Medicare with a Medigap plan works with any provider that accepts Medicare, in Indiana and wherever you spend the season.
- Part DChoose a drug plan with national network or mail-order pharmacies. How to choose a 2027 Part D plan.
Help paying Medicare costs in Indiana
If your income and savings are limited, Indiana’s Medicare Savings Programs can pay your Part B premium and, for some people, your deductibles and coinsurance. You apply through the Family and Social Services Administration at the FSSA Benefits Portal. Qualifying can also open special enrollment periods and lower drug costs, so tell us if you have applied.
The Indiana Medicare year
These are the dates that matter in Indiana.
Your 6-month Medigap window starts once you are 65 and on Part B. The best time to buy any Medigap plan.
Annual Enrollment: change Medicare Advantage or Part D plans for January 1.
Medicare Advantage Open Enrollment: one change if you are already in an Advantage plan.
31 days before to 31 days after your birthday: move your Medigap plan to another company, same plan letter, no health questions.
Federal windows: Medicare.gov. Turning 65 soon? Use our enrollment checklist.
Go deeper
Guides that go deeper on the questions Indiana clients ask most.
- Plan G vs NComparing Medigap plans
- This fallWhat to do during the 2027 Annual Enrollment Period
- SwitchingSwitching from Medicare Advantage to Medigap
Questions Indiana clients ask
How does the Indiana Medigap birthday rule work?
Each year, from 31 days before your birthday to 31 days after, you can switch to the same Medigap plan letter with any company selling it in Indiana, with no health questions. The rule began January 1, 2026, and the window was widened on March 15, 2026.
Can I switch from Plan G to Plan N on my birthday in Indiana?
Not under the birthday rule. It lets you keep the same plan letter and change companies. Moving to a different plan still usually means health questions unless another guaranteed-issue right applies.
Can I get a Medigap plan in Indiana if I am under 65?
Yes. Since 2025, companies must make the plans they sell to people 65 and older available to people on Medicare because of a disability or ESRD, during a 6-month window when Medicare begins.
When does my new Indiana Medigap policy start?
The first day of the month after you apply. Keep your current policy until the new one is in effect so you are never without coverage.
Does it cost anything to work with you?
No. Insurance carriers pay agents a commission, and your premium is the same whether you enroll through us or directly with the company.
¿Pueden ayudarme en español?
Sí. Podemos ayudarle en español por teléfono o video. Envíe el formulario o mándenos un mensaje de texto al (773) 657-9140.
Know your window. Compare both paths. Then decide.
Send your details and a licensed advisor will compare Medigap and Medicare Advantage options for your Indiana ZIP code, including each company’s rate history, at no cost.