Medicare by state
Same federal program, different state rules.
Parts A and B cost the same everywhere, but your state decides whether you can buy a Medigap policy before 65, whether you can switch Medigap plans later without health questions, and which programs help with costs. Every state also has a free counseling program (SHIP).
| State | Medigap under 65 | Switching rule | Free counseling (SHIP) |
|---|---|---|---|
| Alabama | Not required | None | 1-800-243-5463 |
| Alaska | Not required | None | 1-800-478-6065 |
| Arizona | Not required | None | 1-800-432-4040 |
| Arkansas | Some plans | None | 1-800-224-6330 |
| California | Some plans | Birthday rule | 1-800-434-0222 |
| Colorado | All plans sold | None | 1-888-696-7213 |
| Connecticut | Some plans | Year-round | 1-800-994-9422 |
| Delaware | All plans sold | Birthday rule | 1-800-336-9500 |
| District of Columbia | Not required | None | 202-727-8370 |
| Florida | All plans sold | None | 1-800-963-5337 |
| Georgia | All plans sold | None | 1-866-552-4464 (option 4) |
| Hawaii | All plans sold | None | 1-888-875-9229 |
| Idaho | All plans sold | Birthday rule | 1-800-247-4422 |
| Illinois | All plans sold | Birthday rule | 1-800-252-8966 |
| Indiana | All plans sold | Birthday rule | 1-800-452-4800 |
| Iowa | Not required | None | 1-800-351-4664 |
| Kansas | All plans sold | None | 1-800-860-5260 |
| Kentucky | All plans sold | Birthday rule | 1-877-293-7447 (option 2) |
| Louisiana | All plans sold | Birthday rule | 1-800-259-5300 |
| Maine | All plans sold | Year-round | 1-877-353-3771 (1-877-ELDERS1, Aging & Disability Resource Centers) |
| Maryland | Some plans | Birthday rule | 1-800-243-3425 |
| Massachusetts | All plans sold | Year-round | 1-800-243-4636 (MassOptions) |
| Michigan | Required | None | 1-800-803-7174 |
| Minnesota | Required | Annual window | 1-800-333-2433 |
| Mississippi | Required | None | 1-844-822-4622 |
| Missouri | All plans sold | Anniversary rule | 1-800-390-3330 |
| Montana | All plans sold | None | 1-800-551-3191 |
| Nebraska | Some plans | None | 1-800-234-7119 |
| Nevada | All plans sold | Birthday rule | 1-800-307-4444 |
| New Hampshire | All plans sold | None | 1-866-634-9412 |
| New Jersey | Some plans | None | 1-800-792-8820 |
| New Mexico | Not required | Birthday rule | 1-800-432-2080 |
| New York | Required | Year-round | 1-800-701-0501 |
| North Carolina | Some plans | None | 1-855-408-1212 |
| North Dakota | Not required | None | 1-888-575-6611 |
| Ohio | Not required | None | 1-800-686-1578 |
| Oklahoma | Some plans | Birthday rule | 1-800-763-2828 |
| Oregon | All plans sold | Birthday rule | 1-800-722-4134 |
| Pennsylvania | All plans sold | None | 1-800-783-7067 |
| Rhode Island | Required | Annual window | 1-888-884-8721 |
| South Carolina | Required | None | 1-800-868-9095 |
| South Dakota | Required | None | 1-888-854-5321 |
| Tennessee | All plans sold | None | 1-877-801-0044 |
| Texas | Some plans | None | 1-800-252-9240 |
| Utah | Not required | Birthday rule | 1-800-541-7735 |
| Vermont | All plans sold | None | 1-800-642-5119 |
| Virginia | Some plans | Birthday rule | 1-800-552-3402 |
| Washington | Not required | Year-round | 1-800-562-6900 |
| West Virginia | Not required | Birthday rule | 1-877-987-4463 |
| Wisconsin | All plans sold | None | 1-800-242-1060 |
| Wyoming | Not required | Birthday rule | 1-800-856-4398 |
Summaries only: each state page explains the conditions, such as age limits, which plans qualify, and whether you can change insurers. State rules change often; checked September 2026.
Want help with your own choices?
Every state runs a State Health Insurance Assistance Program (SHIP) with trained counselors who give free, unbiased Medicare help and do not sell plans. Find yours on our Medicare by state pages, or call Medicare at 1-800-MEDICARE (1-800-633-4227) (TTY 1-877-486-2048, 24 hours a day, 7 days a week).
Planning the rest of your coverage in retirement? We can help with life insurance later in life and final expense coverage.
General information about the federal Medicare program, not advice about your situation. Figures are for 2026 unless stated and change every year; last reviewed September 29, 2026. Quote My Policy is a private company. Not connected with or endorsed by the United States government or the federal Medicare program.
Quote My Policy does not sell Medicare plans on this site. For plan-specific help, contact Medicare at 1-800-MEDICARE (1-800-633-4227) (TTY 1-877-486-2048, 24 hours a day, 7 days a week) or your State Health Insurance Assistance Program.