The answer
When can I buy a Medigap policy?
The best time to buy a Medigap policy (Medicare Supplement, private coverage that pairs with Original Medicare) is during your Medigap Open Enrollment Period, a six-month window that begins the month you are 65 or older and enrolled in Part B.
During this one-time window, an insurer must sell you any Medigap policy it offers at its best available rate and cannot deny you or charge more because of your health, a protection called guaranteed issue. Once those six months pass, you can still apply for Medigap at any time of year, but outside this window the insurer can review your health history and may charge more or decline you, depending on your state's rules. Some states and certain situations offer additional guaranteed-issue rights. Because timing affects both price and acceptance, this six-month window is the simplest path. To review your timing, reach out to a licensed Goodsurance advisor at 1-888-301-8091 (TTY 711), Mon to Fri 8 am to 5 pm PT.