Medicare in Indiana

Indiana has a Medigap birthday rule. Once a year, around your birthday, you can switch to the same Medigap plan letter with a different insurer without answering health questions. The exact window length and rules are set by state regulators, so the details matter. Outside that window, and outside your original six-month Medigap Open Enrollment Period, standard medical underwriting usually applies.

Pinnacle Insurance Advisors is licensed in Indiana. Our independent advisors compare Medicare Supplement, Medicare Advantage, and Part D options available where you live, explain the trade-offs in plain English, and help you enroll, all at no cost to you. Most Indiana clients work with us entirely by phone.

Indiana's rule took effect on January 1, 2026 under House Enrolled Act 1226, with 2026 amendments that apply to policies delivered, issued, or renewed on or after March 15, 2026. The state fact sheet describes a guaranteed window that begins one month before your birthday and ends one month after it, during which you can move to the same lettered plan with a different carrier.