Moving to another state with a Medigap policy
What happens to your Medigap policy when you move, whether you can keep it, when you have guaranteed issue rights, and how premiums change.
Medigap policies are sold on a state basis, but the benefits are standardized nationally. What happens when you move depends on your insurer and your plan.
Can you keep your policy?
Often, yes. Many insurers let you keep your Medigap policy after moving, but your premium is likely to change to the rate for your new area. Some insurers do not operate in every state and may require you to find a new policy.
Do you get guaranteed issue when moving?
Not automatically for Medigap-to-Medigap moves. A move by itself does not give a federal right to buy a different Medigap policy without health questions. Exceptions:
- If you are leaving a Medicare Advantage plan because you are moving out of its service area, you have a guaranteed issue right to buy certain Medigap plans.
- Some states have their own rules. Washington, for example, allows switching within plan groups without underwriting once you are covered there (see Washington's switching rule).
Practical steps
- Call your insurer before moving and ask whether you can keep the policy and what the new premium will be.
- If you want to change plans, apply in the new state before cancelling the old policy.
- Update your address with Social Security, which handles Medicare enrollment.
- Review your Part D plan: drug plans are regional, and moving out of your plan's area gives you a Special Enrollment Period to choose a new one.
Premium differences between states
Medigap prices vary a lot by state and even by ZIP code, because of medical costs and state rating rules. A move can raise or lower your premium substantially. For Washington and Florida supplement options, see Maru Insurance.
Questions people ask
Can I keep my Medigap if I move?
Often yes, but the premium may change to your new area's rate.
Do I get guaranteed issue when I move?
Not for Medigap-to-Medigap moves in general; leaving a Medicare Advantage service area does give rights.
Do I need a new Part D plan?
If you move out of your plan's service area, yes, with a Special Enrollment Period.
Who do I notify about my move?
Social Security, your Medigap insurer and your Part D plan.
Independent educational site. Not affiliated with or endorsed by the U.S. government, the federal Medicare program, or any insurance company. Figures are 2026 amounts published by CMS unless noted; check Medicare.gov for your situation.