What are the potential issues for someone under 65 on SSDI who has Medigap Plan N in New York and wants to move to a lower-cost state?
Answered by 6 licensed agents
If you have Medicare because of SSDI and already own a Medigap Plan N in New York, you can generally keep your existing Medigap policy when you move to another state, as long as you remain on Original Medicare.
But there are two things I would check before moving.
First, don't assume moving to a lower-cost state automatically means your existing Plan N premium will become cheaper. A Medigap policy originally issued in New York can continue to be governed by New York's rating rules even after you move. In other words, changing your address does not necessarily turn your New York policy into a policy priced for the new state.
Second, be very careful about replacing that policy while you are still under 65.
New York allows Medicare beneficiaries to apply for Medigap throughout the year without being denied or charged more because of their health, and those protections also apply to people under 65 who have Medicare because of a disability.
That is not true everywhere.
Federal law generally does not require insurance companies to sell Medicare Supplement policies to people under 65. Depending on the state you move to, you may find that:
Plan N is not available to you while you are under 65.
Only certain Medigap plans are available to people under 65.
The available premiums are substantially higher.
Medical underwriting may apply if you try to change policies.
Simply moving to another state may not give you a federal guaranteed-issue right to buy the replacement Medigap policy you want.
Answered by Jeremy Harkins on September 25, 2026
Broker Licensed in TN, AR, CA & 5 other states
If you need (or want) a different carrier, the issue will be whether or not you get guaranteed issue protections. If you do, GREAT! If not, then you run the risk of not having a Medigap plan that will accept your current conditions OR a Medigap plan that is very expensive.
Best course of action is to "look before you leap." Before deciding whether or where to move, compare local rates and state-specific under-65 Medigap rules in the destination state.
Answered by June Anguiano on September 13, 2026
Broker Licensed in IL
Answered by Vincent Orender on September 11, 2026
Broker Licensed in PA, AL, AZ & 10 other states
Answered by Dwight Wright on October 5, 2026
Broker Licensed in FL, AL, AZ & 15 other states
Answered by Jorge Collado on September 10, 2026
Broker Licensed in FL, AL, AR & 42 other states
Answered by Voss Speros on September 14, 2026
Broker Licensed in AZ, CA, CO & 20 other states
Tags: Advice for Seniors Coverage Social Security The Medicare System
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