Medigap Guaranteed Issue Requirements: An Overview of Federal and State Rules Authors: Meredith Freed, Yasmina Issaka, Nancy Ochieng, and Juliette Cubanski Published: Oct 13, 2026

https://www.kff.org/medicare/medigap-guaranteed-issue-requirements-an-overview-of-federal-and-state-rules/ This issue brief analyzes federal and state rules related to guaranteed issue requirements for Medigap policies and how they impact beneficiaries’ access to Medigap, including the implications for Medicare beneficiaries with pre-existing medical conditions and those under age 65 with long-term disabilities.