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 4 licensed agents

Best case scenario is your current insurance carrier has the same plan in the new state. As long as you are not changing carriers and plans, then what is likely to happen is that you will get a rate adjustment based on your new zip code.

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 June Anguiano Medicare Insurance Agent
Varying by state, Medigap Plan N does not qualify as a guaranteed issue for individuals under 65 years of age. However, you may qualify for another option such as Plan G or even Plan F if you were eligible for Medicare prior to January 1st, 2020. It is important to understand each state's specific rules for eligibility.

Answered by Vincent Orender on September 11, 2026

Broker Licensed in PA, AL, AZ & 10 other states

Answered by Vincent Orender Medicare Insurance Agent
MEDIGAP is expensive if you are under 65. Usually you can transfer your medigap coverage to the new state but will be subject to the premiums on that new Rating area. Contact your MEDIGAP carrier for more information.

Answered by Jorge Collado on September 10, 2026

Broker Licensed in FL, AL, AR & 42 other states

Answered by Jorge Collado Medicare Insurance Agent

Answered by Voss Speros on September 14, 2026

Broker Licensed in AZ, CA, CO & 20 other states

Answered by Voss Speros Medicare Insurance Agent

Tags: Advice for Seniors Coverage Social Security The Medicare System

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