** Updated April 15, 2026**
If you have a Medicare Supplement (Medigap) plan in Indiana, your birthday is about to get a whole lot better. Starting January 1, 2026, a new state law officially goes into effect that could save you hundreds of dollars a year on your health insurance.
At KSS Insurance, we believe in keeping insurance simple, so here is everything you need to know about Indiana’s new “Birthday Rule.”
What is the Medicare Supplement (Medigap) Birthday Rule?
Before 2026, if you wanted to switch your Medicare Supplement (Medigap) policy, to get a lower price for example, you usually had to go through “medical underwriting.” This included answering medical questions, allowing the insurance company to deny or charge you more based on your health history.
The new birthday rule changes that. Starting in 2026, Indiana residents aged 65 and older will benefit from an annual 60-day ‘Guaranteed Issue’ window, spanning the 30 days before and after their birthday. During this time, you can switch to any Supplement (Medigap) plan with the same benefits without answering a single health question.
Why This is a “Win” for Hoosiers
This new rule is all about flexibility and cost savings. It allows you to:
- Shop for lower rates: Insurance companies often raise rates as you age. Now, you can compare prices every year and move to a more provider for the exact same benefits.
- Switch with confidence: You are no longer “locked in” to a plan just because your health has changed since you first enrolled.
- Keep your benefits: Since you are switching to the same plan letter, your coverage remains consistent—only your premium changes.
How to Use the Birthday Rule
The birthday rule begins January 1, 2026. Here is how we recommend preparing:
- Review Your Current Plan: Check your most recent premium notice. Are you in Plan G, Plan N, or a different lettered plan? Know what you are paying now so you have a baseline for savings.
- Mark Your 2026 Birthday: Your 60-day window officially begins 30 days before your birthday. This is your “Green Light” to switch without health questions.
- Schedule a Pre-Birthday Review: We recommend scheduling an appointment with your KSS agent 1 month before your birthday. This gives us time to research the current market rates and have your options ready when your 60-day window opens.
- Submit Your Application: When your birthday arrives, we submit your new application during your 60-day window. Your new, lower-cost coverage will typically begin on the first of the month following your application.
The Birthday Rule is an incredible tool, but it is only available once a year. By meeting with a KSS agent ahead of time, you can ensure you don’t miss out on potential savings.