MICHIGAN Medigap Users - Attention

[GailL1]

One of your legislators introduced this bill in 2025 - but it seems that some seniors are wanting to bring it to life.  Just thought I would let you know about it so you can decide.  

It will raise your Medigap rates because of the added risk but how much now and later, I cannot tell you.  

Your choices would be to give those under 65 a choice for ALL Medigap plans - currently they only have access to Plan A and Plan D and also give everybody some expanded guaranteed righe like the right for everybody to switch their insurers (believe it is to the same plan) around their birthday for what ever reason - premiums being the leading reason most likely.

SUMMARY: Michigan SB0469 - BillTracker  

from the link ~ 

This bill amends Michigan's insurance code to expand protections for individuals seeking Medicare supplement insurance policies (also known as Medigap policies).

The bill prohibits insurers from denying, conditioning, or discriminating in pricing for Medicare supplement policies based on an applicant's

• health status,
• claims experience, or
• medical condition under specific circumstances.

These circumstances include:

(1) applying during the 6-month period after turning 65 and enrolling in Medicare Part B,

(2) for non-age-eligible individuals applying within 6 months of enrolling in Medicare Part B or within 6 months of the bill's effective date, and

(3) when an applicant is currently insured under a Medicare supplement policy and wants to switch insurers within 60 days of their birthday.

The bill requires insurers to offer the same premium rates to non-age-eligible applicants as they do to 65-year-olds, prohibits waiting periods or preexisting condition exclusions for these applicants, and mandates that all Medicare supplement policies be made available to qualifying applicants regardless of age.

Additionally, the bill provides details about creditable coverage and specifies exceptions for preexisting condition exclusions, ensuring more comprehensive and equitable access to Medicare supplement insurance for Michigan residents.

There has been no movement that I can see on this legislation but some folks on another board have brought it up so that people will know about it. 

Other states have similar plans but maybe not exactly.  

OR then there is still the US Senate Bill being introduced - 

The Medicare Cost Cap Act Will Create a $5,000 Ceiling on Out-of-Pocket Costs for People with Traditional Medicare and Protect Low-Income Seniors

Senate.finance.gov - The Medicare Cost Cap Act  

More info on the above

https://www.aging.senate.gov/press-releases/gillibrand-colleagues-launch-push-to-cap-medicare-costs-... 

https://kffhealthnews.org/medicare/medicare-costs-out-of-pocket-cap-democrats-senate-wyden-midterms/