Switching Medigap plans: when it saves money and when it backfires

How switching insurers or plan letters works, health questions, state rules that make switching easier, and how to calculate whether a switch pays off.

You can apply to switch Medigap plans at any time. In most states, outside special windows, the new insurer can ask health questions and decline you.

States with easier switching

Washington lets you switch within plan groups any time after 90 days, without health questions; see the Washington rule. Some other states have birthday or anniversary rules.

When switching pays

If a comparable plan costs $40 a month less, that is $480 a year. But check rate history. A cheap plan with steep increases can catch up quickly.

Switching letters

Moving from Plan F to Plan G can save money for people who became eligible before 2020 and kept F. Moving from G to N lowers premiums in exchange for copays; see Plan G vs Plan N.

Steps

1. Get quotes. 2. Apply. 3. Wait for approval. 4. Start the new policy. 5. Cancel the old one after the free look.

Questions people ask

Can I switch Medigap plans any time?

You can apply, but most states allow health questions outside special windows.

Does Washington make switching easier?

Yes, within plan groups after 90 days.

Is switching from F to G worth it?

Often, if premiums are lower.

When do I cancel the old plan?

After the new one is approved and active.

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.