Can my Medigap insurer terminate my policy?

Question

Gary Church · Accepted Answer

Yes! For non-payment, If lose your Part B with Medicare. Keep in mind that you are on original Medicare and purchase a Medigap plan.

Norman Smith · Answer

Depends on your carrier!!! My clients never worry about that! 
If you have a carrier that enters you into a group plan, then not only are you subject to the group rates being increased regularly, annually, or at the carrier’s discretion, but also if it is deemed there are too many claims into that particular group, they could drop the plan.
Look for a Supplemental carrier that offers a Guaranteed Renewable Premium with an Individual policy.

Terri Reagin · Answer

Only in the event of non payment. Otherwise your medigap plan should be guaranteed renewable. Always check with your agent for questions!

Christy Jones · Answer

Medigap insurers may cancel plans based on lack of payment for premium and sometimes if you move out of an area that they service.

David Silver · Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/can-my-medigap-insurer-terminate-my-policy#david-silver

Steve Houchens · Answer

Generally no, the only possible reason would be if the company went under but if that happened you would have a chance to get another plan of the same type guaranteed issue. The only reason they could terminate your specific coverage would be for non payment of premiums or fraud or abuse.

Answered by Steve Houchens on July 19, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Michael Pyers · Answer

They can for failure to pay the premium.  Otherwise, only if they stop selling and servicing medigap insurance in your area.

Ron Cronwell · Answer

Medigap policies are by design and contract automatically renew each year, as long as the monthly premiums are paid on time. premiums may change form time to time. Most increase at least yearly. A provider may decide to exit an region or state, if that occurs, that notice activates a Special Enrollment Period of time during which impacted clients may sign up with another provider using a guarantied issue right, meaning no health questions. The price may be different, but no health questions and no pre-existing condition exclusions. This may happen during the year or at year end.

Answered by Ron Cronwell on July 19, 2025

Agent Licensed in TN

Answered by Ron Cronwell Medicare Insurance Agent

Hannah Skinner · Answer

Medigap policies are guaranteed renewable. This means that your plan has to renew your policy every year as long as your pay your premiums even if you are filing a lot of costly claims.

There have been Medigap carrier become insolvent and pull out of the market, however, you are protected in this situation. If this happened to you, you would have guaranteed issue rights to get another plan with no underwriting. The guaranteed issue plan is a Plan G or Plan F depending on when you became eligible for Medicare.

Harold Randolph · Answer

In a single word.. no. 

With explanation medigaps are guaranteed renewable which means as long as you pay your premiums and and was honest on your application you cannot be canceled. 

So unless the insurer goes belly up your medigap cannot be cancelled.

Brandon Grzywa · Answer

In general, no.  Most Medigap policies or Medicare supplements are guaranteed renewable. That means if the premiums are paid and up to date, the policy is considered in good standing and active.

Fred Manas · Answer

Generally, a Medigap (Medicare Supplement) insurer cannot terminate your policy as long as you pay your premiums on time. Medigap policies are typically guaranteed renewable, meaning the insurance company cannot cancel your policy due to health issues as long as you maintain premium payments. However, there are exceptions, such as non-payment of premiums, providing false information on your application, or if the insurance company goes bankrupt. 
Here's a more detailed breakdown:
Guaranteed Renewability:
Medigap policies are designed to be renewable, meaning the insurer cannot cancel your policy simply because your health has declined.
This protection is in place as long as you continue to pay your premiums. 
Reasons for Cancellation:
Non-payment of premiums:
.
If you fail to pay your monthly premiums, the insurer can cancel your policy.
False information on application:
.
Providing inaccurate or misleading information during the application process can also lead to cancellation.
Insurers going out of business:
.
If your insurance company becomes bankrupt or insolvent, your policy may be terminated. 
Important Considerations:
Switching to Medicare Advantage:
.
If you decide to switch from Original Medicare to a Medicare Advantage plan, you may lose your guaranteed issue rights for Medigap policies. 
State regulations:
.
Some states have additional regulations regarding Medigap policies, so it's wise to check with your state's insurance department for specific rules.

Gary Henderson · Answer

Only for non payment typically after 90-120 days without making a payment. Cannot be cancelled for health reasons.

Mike Henry · Answer

Regular policy no. unless for nonpayment. Medicare advantage yes. Company may do or Dr. usually because of pay issues

Toni Cormier · Answer

As long as you are paying your premiums as agreed and did not answer any questions falsely on your application your Medigap can not terminate you.

Brenda Watson · Answer

Yes and No.  Your Medicare Supplement plan can not be canceled for any reason other than non-payment of premium.

Sandy Hammond · Answer

There are a few ways that a Medigap insurer can terminate your policy:
1.  Non-payment of premium.
2.  You move out of the area and would need to enroll in a plan that is offered in your new state.
3.  The insurer files for bankruptcy.

I hope you find this answer helpful.

Tabitha Self · Answer

Your Medigap (Medicare Supplement) policy can only be terminated for lack of payment. It is best to meet with a licensed Medicare Broker to ensure that you are enrolled in the best plan for your needs.

Answered by Tabitha Self on August 27, 2025

Agent Licensed in TN & FL

Answered by Tabitha Self Medicare Insurance Agent

Can my Medigap insurer terminate my policy?

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