Federal law doesn’t require insurance companies to sell Medicare Supplement policies to people under 65. If you’re under 65, you might not be able to buy the Medicare Supplement policy you want, or any Medicare Supplement policy, until you turn 65. However, some states require Medicare Supplement insurance companies to sell you a Medicare Supplement policy, even if you’re under 65. These states require the insurance companies to offer at least one kind of Medicare Supplement policy to people with Medicare under 65:
| California | Colorado | Connecticut |
| Delaware | Florida | Georgia |
| Hawaii | Illinois | Kansas |
| Louisiana | Maine | Maryland |
| Massachusetts | Michigan | Minnesota |
| Mississippi | Missouri | Montana |
| New Hampshire | New Jersey | New York |
| North Carolina | Oklahoma | Oregon |
| Pennsylvania | South Dakota | Tennessee |
| Texas | Vermont | Wisconsin |
Even if your state isn’t listed above, some insurance companies may voluntarily sell Medicare Supplement plans to people under age 65. You will get a Medicare Supplement Open Enrollment Period when you turn age 65, at which time you will have a wider choice of plans available. During the Medicare Supplement Open Enrollment Period, insurance companies can’t refuse to sell you any Medicare Supplement policy due to disability or other health problem, or charge you a higher premium (based on health status) than they charge other people who are age 65.
Have a question on finding which plan is best for you? Contact Senior Savings Services at 1-800-592-0819.
Sources:
https://www.medicare.gov/supplement-other-insurance/when-can-i-buy-medigap/when-can-i-buy-medigap.html#collapse-2283
https://www.medicare.gov/pubs/pdf/02110.pdf