Get free help preparing your taxes from AARP Foundation Tax-Aide. Find a location


AARP Staying Sharp: Keep Your Brain Healthy
Celebrate Black Life, History, and Culture!
Bob Dylan Talks!


Military and Veterans Discount


Rewards for Good Sweepstakes


Introducing RealPad by AARP


AARP Auto Buying Program


Piggy bank on the road - AARP Driver Safety

Take the new AARP Smart Driver Course!

Download the ipad App



AARP Games - Play Now!

AARP Books

Medicare for Dummies book cover

Get the answers you need, from Patricia Barry, AARP's Ask Ms. Medicare

Most Popular


share your Thoughts

Reader stories help us fine-tune our education efforts and strengthen our calls for action on issues that matter most to you. We read and learn from every story and may use yours (with permission) to brief legislators, inspire other readers and more. Please share your story with us. Do

Ask Ms. Medicare

Getting Medigap Insurance Under Age 65

Q. I’m younger than 65 and on Medicare because of disability. Can I buy medigap supplemental insurance to help with the costs?

A. Maybe, but it depends on where you live. People age 65 or older have a guaranteed right to buy a medigap policy (meaning they can’t be turned down, regardless of disability or health status) within six months of enrolling in Medicare Part B, as explained here. There is no similar federal guarantee for Medicare beneficiaries under 65. However, 27 states currently require insurers to sell at least some types of medigap policies to beneficiaries under 65. They are the following:



 North Carolina













South Dakota





 New Hampshire



 New Jersey



 New York

* Medigap policies are not available in California, Massachusetts and Vermont for people under 65 who have end-stage renal disease (ESRD).

** Medigap policies for people under 65 in Delaware are available only to those with ESRD.

If you live in a state not shown here, you may still find an insurance company willing to sell you a policy, though it may cost you more than someone 65 or older, and it may deny coverage for preexisting conditions. For more information on insurance (or other benefits) that may be available to you, contact your state health insurance assistance program (SHIP) for free help from a trained counselor. For the phone number of your SHIP, visit

When you reach 65, you can then take advantage of your federally guaranteed right to buy a medigap policy, even if you’ve been enrolled in Medicare Part B for years. You get a six-month enrollment period to buy medigap insurance. During that time, insurers can’t refuse to sell you any policy available in your state or charge you a higher premium than other people your age. So, even if you were able to buy medigap insurance before you turned 65, you may now get a greater choice of policies and a lower premium.

Patricia Barry is a senior editor at the AARP Bulletin.

Topic Alerts

You can get weekly email alerts on the topics below. Just click “Follow.”

Manage Alerts


Please wait...

progress bar, please wait

Tell Us WhatYou Think

Please leave your comment below.

Discounts & Benefits

From companies that meet the high standards of service and quality set by AARP.

Walgreens 1 discount membership aarp

Members get exclusive points offers from Walgreens, Duane Reade and

Grandson (8-9) whispering to grandfather, close-up

Members can save 20% on hearing aids with the AARP® Hearing Care Program provided by HearUSA.

AARP membership discount Man trying on eyeglasses at optometrists smiling

Members save up to 60% on eye exams and 30% on glasses at LensCrafters.

Member Benefits

Join or renew today! AARP members receive exclusive member benefits & affect social change.

Rewards for Good

Your Points Balance:

Learn More

Earn points for completing free online activities designed to enrich your life.

Find more ways to earn points

Redeem your points to save on merchandise, travel, and more.

Find more ways to redeem points