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).
Medicare rules and free help in every state
| State | Medigap under 65 | Switching rule | Free counseling (SHIP) |
|---|---|---|---|
| Alaska | Not required | None | 1-800-478-6065 |
| Alabama | Not required | None | 1-800-243-5463 |
| Arkansas | Some plans | None | 1-800-224-6330 |
| Arizona | Not required | None | 1-800-432-4040 |
| 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 |
| District of Columbia | Not required | None | 202-727-8370 |
| Delaware | All plans sold | Birthday rule | 1-800-336-9500 |
| 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 |
| Iowa | Not required | None | 1-800-351-4664 |
| 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 |
| 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 |
| Massachusetts | All plans sold | Year-round | 1-800-243-4636 (MassOptions) |
| Maryland | Some plans | Birthday rule | 1-800-243-3425 |
| Maine | All plans sold | Year-round | 1-877-353-3771 (1-877-ELDERS1, Aging & Disability Resource Centers) |
| Michigan | Required | None | 1-800-803-7174 |
| Minnesota | Required | Annual window | 1-800-333-2433 |
| Missouri | All plans sold | Anniversary rule | 1-800-390-3330 |
| Mississippi | Required | None | 1-844-822-4622 |
| Montana | All plans sold | None | 1-800-551-3191 |
| North Carolina | Some plans | None | 1-855-408-1212 |
| North Dakota | Not required | None | 1-888-575-6611 |
| Nebraska | Some plans | None | 1-800-234-7119 |
| 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 |
| Nevada | All plans sold | Birthday rule | 1-800-307-4444 |
| New York | All plans sold | Year-round | 1-800-701-0501 |
| 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 | Some plans | Annual window | 1-888-884-8721 |
| South Carolina | Not 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 |
| Virginia | Some plans | Birthday rule | 1-800-552-3402 |
| Vermont | All plans sold | None | 1-800-642-5119 |
| Washington | Not required | Year-round | 1-800-562-6900 |
| Wisconsin | All plans sold | None | 1-800-242-1060 |
| West Virginia | Not required | Birthday rule | 1-877-987-4463 |
| 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 comparing your options?
Currently we represent 41 organizations which offer 397 products in your area. You can always contact Medicare.gov or 1-800-MEDICARE for help with plan choices.
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.
Currently we represent 41 organizations which offer 397 products in your area. You can always contact Medicare.gov or 1-800-MEDICARE for help with plan choices.