Medicare Advantage members in Maine, Iowa, Oklahoma and Texas whose plans end on Dec. 31 can move to Original Medicare and buy a Medigap supplement without being turned down over their health. Insurance regulators in the first three states and a health plan in Texas have each told members about the right, and Maine’s window is the longest, running to March 31, 2027.
The right matters because Medigap is normally the hardest insurance to buy after 65. Outside a few protected windows, insurers can ask health questions, charge more for a past heart attack or cancer, or refuse the application outright. A canceled Advantage plan is one of the few events that removes that gate…