Forced disenrollment of 2.9 million Medicare Advantage members creates a 63-day window to switch to Medigap plans without underwriting.
Nearly 2.9 million Medicare Advantage members will lose their plans in 2026, triggering a 63-day guaranteed-issue period for Medigap policies. Enrollees face monthly costs of $400 to $500 for Original Medicare plus Plan G, which caps exposure at the Part B deductible.
The disruption affects roughly 1 in 10 Advantage members, according to a Johns Hopkins Bloomberg School of Public Health study. Most beneficiaries are unaware of the temporary underwriting exemption, which expires after 63 days.
Insurers’ non-renewal notices arrive in early October, leaving weeks to secure new coverage. State insurance departments, not carriers, confirm eligible Medigap options during the window.