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2026 figures

California Medigap Birthday Rule

Find the 60-day window that starts on your birthday if you already have Medigap.

Next 60-day window: Tuesday, June 15, 2027 through Friday, August 13, 2027

California law: if you already have a Medigap policy, you may apply for a policy with equal or lesser standardized benefits without medical underwriting during this window. It is not a path from Medicare Advantage to Medigap.

Confirm with the California Department of Insurance and your outline of coverage. This website does not enroll you.

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Educational answers — not a plan recommendation.

Educational estimate using public 2026 CMS figures. Not a bill, not a determination, and not a plan recommendation. Confirm on Medicare.gov or with Social Security. We are not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

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We are not affiliated with or endorsed by the U.S. Government or the federal Medicare program. Medisure Agency only has independent insurance agents. We do not offer health or drug plan enrollment on this website. We may help facilitate enrollment after a review of coverage, budget, and lifestyle needs, using carrier- or upline-approved enrollment processes. We do not offer every plan available in your area. Currently we represent 6 organizations which offer Medicare Advantage and Part D products in California. The number of products available to you depends on your ZIP code. For a complete list of options, visit Medicare.gov, call 1-800-MEDICARE (1-800-633-4227), TTY 711, or California HICAP at 1-800-434-0222. Benefits, premiums, networks, and eligibility vary. This site is for education only and is not a determination of a “best” plan.

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Get Medicare answers

Educational answers — not a plan recommendation.