Medigap Insurance for those Under 65
Medicare is available to people under age 65 who have certain disabilities or end-stage renal disease (permanent kidney failure that requires dialysis or a transplant).
Although Federal law does not require that insurers sell Medigap Plans to people under 65, the following states require insurers offer at least one type of Medigap Plan to people under 65 who have Medicare.
California Maine New York Colorado Maryland North Carolina Connecticut Massachusetts** Oklahoma Delaware* Michigan Oregon Florida Minnesota Pennsylvania Hawaii Mississippi South Dakota Illinois Missouri Texas Kansas New Hampshire Vermont** Louisiana New Jersey Wisconsin
* A Medigap Plan is only available to people with end-stage renal disease. **A Medigap Plan is not available to people with end-stage renal disease who are under 65. Mostmedicare.com dental with your Medigap.
If your state is not listed above, certain insurers may voluntarily sell a Medigap Plan to people under 65, but the premiums will probably be higher than they are for people over 65.
In addition, insurers will be able to ask about your health, and use medical underwriting. Check with your state government to confirm your rights under state law.