California Medigap Plans
Medicare Supplement Plans in California - 2026 Rates, Rules & Carrier Options
Medicare Enrollees
6.4 million
Avg Plan G Premium
$155–$240/month
Birthday Rule
Yes - 60-day window
Most Popular Plan
Plan G
Medigap in California
California has the largest Medicare population in the country with over 6.4 million enrollees. The state follows federal Medigap standardization and has a Birthday Rule that gives beneficiaries a 60-day window around their birthday each year to switch Medigap plans without medical underwriting. California's large market means many carriers compete for business, though premiums tend to be higher than the national average due to the state's higher cost of living.
Open Enrollment in California
California has a Birthday Rule - you can switch to a plan with equal or lesser benefits during the 60 days surrounding your birthday each year without medical underwriting.
California Medigap Rules
- California follows federal Medigap standardization (Plans A–N)
- California Birthday Rule - 60-day window each year to switch plans without underwriting
- Largest Medicare population in the country
- Premiums tend to be higher than national average
Top Carriers in California
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