Sometimes: in 2026, if a federal guaranteed issue right applies, the insurance company cannot use your answers to medical questions to deny you a Medigap policy or change the price, and you must apply no more than 63 days after your Medicare Advantage coverage ends.
Leaving a plan by choice does not create this right by itself. It depends on why your coverage is ending, so the situation matters more than the date.
| Your situation | What CMS says you can buy | Your window |
|---|---|---|
| Your Medicare Advantage plan is leaving Medicare, or you are moving out of its coverage area, or it will no longer cover where you live, or it did not follow the rules or misled you | Any Medigap policy sold by an insurance company in your state, if you switch to Original Medicare | Apply from 60 days before your plan coverage ends to no more than 63 days after. Rights may last an extra 12 months in certain circumstances |
| You had a Medigap policy before you joined Medicare Advantage and now want to switch back to Original Medicare | The policy you had, if the same company still sells it; if not, Medigap Plan A, B, C, D, F, G, K or L sold in your state | Same window: 60 days before to no more than 63 days after your Medicare Advantage coverage ends |
| You lost your Medigap coverage through no fault of your own (for example, the company went bankrupt, did not follow the rules or misled you) | Medigap Plan A, B, C, D, F, G, K or L sold in your state | 63 days after your current Medigap coverage ends |
| You are 65 or older and just signed up for Part B (the Medigap Open Enrollment Period) | Any Medigap policy sold in your state, even if you have health problems | One time: 6 months starting the first month you are 65 or older and have Part B |
| You still have a Medicare Advantage plan | Nothing: it is illegal to sell you a Medigap policy while you have Medicare Advantage | Not applicable until your Medicare Advantage coverage ends |
Source: CMS, When can I buy a Medigap policy? and How do I buy a Medigap policy? (federal rights; accessed November 11, 2026)
How the Right WorksMedical questions, and when the answers do not count
A Medigap application normally asks medical questions, and outside a protected period an insurance company does not have to sell you a policy. CMS says that if you buy during your Medigap Open Enrollment Period, or you give proof of a guaranteed issue right, the company cannot use your answers to medical questions to deny you a policy or change the price.
That protection is narrow on purpose. It covers the situations in the table, not a general wish to switch. If you leave Medicare Advantage because you simply prefer Original Medicare, outside those situations, CMS says insurance companies do not have to sell you a Medigap policy.
The ClockThe 63-day window and the proof you need
The window has two ends. CMS says you must apply 60 days before the date your coverage ends, and no more than 63 days after it ends. A Medigap policy cannot start until your Medicare Advantage coverage ends, and the right only applies if you switch to Original Medicare rather than joining another Medicare Advantage plan.
Keep every letter, notice and email from your plan. CMS says you may need to include copies with your Medigap application to prove your coverage ended or that you have the right. A non-renewal letter is exactly that kind of proof, so do not throw it away.
Next StepsWhat to do next in Florida
The table shows federal rights. A state can add more opportunities under its own law, so we check which ones apply to you. If your plan is not coming back for 2027, the first step is to find the date your coverage ends and count 63 days from it, before you decide anything else.
Vivian Soto can walk through your letter and your dates with you by phone, video or the booking calendar, in English or Spanish, and explain the Medigap options we offer. Medigap is also priced by the insurer, so the same right can lead to different monthly costs.
More QuestionsPeople also ask
Can an insurer deny me Medigap after my Medicare Advantage plan ends?
Not if a guaranteed issue right applies to you and you apply in time. Otherwise, CMS says insurance companies do not have to sell you a Medigap policy after your Medigap Open Enrollment Period ends. Vivian Soto, a licensed agent, reviews this with you at no cost: call or text (407) 777-5046.
Does my plan leaving Florida count?
CMS lists a Medicare Advantage plan leaving Medicare, and a plan that will no longer cover where you live, as situations that give you the right. Your plan notice tells you which one applies. Vivian Soto, a licensed agent, reviews this with you at no cost: call or text (407) 777-5046.
Can I join a Medigap policy while I still have Medicare Advantage?
No. CMS says it is illegal for someone to sell you a Medigap policy if you have a Medicare Advantage plan, and a Medigap policy cannot start until your Medicare Advantage coverage ends. Vivian Soto, a licensed agent, reviews this with you at no cost: call or text (407) 777-5046.
This page explains officially published figures. It is not an insurance quote and not an eligibility determination. Only the federal marketplace, Medicare, Social Security or the carrier can determine your eligibility and your actual price.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Not connected with or endorsed by the U.S. government or the federal Medicare program.