Medicare by state
Free Medicare help in 49 states and Washington, D.C.
Medicare is federal, but the rules for switching Medigap plans are set state by state. Find your state to see how it works where you live, and how our licensed advisors can help at no cost.
How Medigap rules differ across the country
The colors show each state's Medigap switching rules at a glance. In most states, changing plans after your first six months means health questions. Some states give you an annual window with no health questions at all. Pick your state for the details.
- Annual switching window (birthday or anniversary rule)
- Year-round or continuous options
- Unique state systems
- Standard underwriting
- Not served (MA)
Pick your state from the list below for rules, resources, and free help.
Every state, A to Z
We are licensed everywhere except Massachusetts. That page still points you to trustworthy free help, because that is what we would want someone to do for our own parents.
Not sure what your state's rules mean for you?
One free call answers it. A licensed advisor will check your state's current rules, your plan, and your prices, with no pressure and no fee.