Nearly Three-Quarters of Medicare Advantage Enrollees Could be Denied a Medigap Policy Due to a Pre-Existing Condition Authors: Meredith Freed, Jeannie Fuglesten Biniek, Nancy Ochieng, Juliette Cubanski, and Nolan Sroczynski Published: Oct 13, 2026

https://www.kff.org/medicare/nearly-three-quarters-of-medicare-advantage-enrollees-could-be-denied-a-medigap-policy-due-to-a-pre-existing-condition/ This analysis examines the share of Medicare Advantage enrollees who have a pre-existing condition that could result in a Medigap denial if they seek to switch to traditional Medicare outside their one-time 12-month trial period, including national estimates and estimates by age and by state. KFF finds that nearly three-quarters of Medicare Advantage enrollees (74%) or 20.9 million people in 2023 had a pre-existing medical condition identified from KFF’s review of Medigap applications that could…