All Roll Calls
Yes: 180 • No: 0
MarylandHB 02752026 Regular SessionHouseWALLET
Medicare Supplement Policies - Issuance - Requirements
Sponsored By: Sponsor information unavailable
Signed by Governor
Health - InsuranceHealth -see also- COVID19; EnvHlth; MedCon; etc.Health Insurance -see also- ACA; HMOs; MCOsMedical AssistancePublic Benefits -see also- Housing; MedAsst; SupplNutrAsstPTime
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Bill Overview
Analyzed Economic Effects
4 provisions identified: 4 benefits, 0 costs, 0 mixed.
Medigap access for disabled under 65
Beginning July 1, 2026, insurers must offer Medigap Plans A and D to people under 65 on Medicare due to disability if you apply within 6 months after Part B enrollment, or within 6 months after Medicare tells you about a retroactive enrollment. For these plans, the insurer cannot deny you or charge you more because of your health or medical history. For Plan A, your premium cannot be higher than the insurer’s statewide average Plan A premium for people 65 and older. Insurers may choose to offer other plans, but they do not have to offer a plan to under‑65 applicants if they do not offer that plan to age‑65+ customers.
Medigap rights after Medicaid or special events
Beginning July 1, 2026, if you enrolled in Part B while on Maryland Medicaid, stayed on Medicaid at least 6 months after your Part B start, and then lose Medicaid, the insurer must sell you any Medigap plan it offers. You must apply within 63 days of your Medicaid end or notice and include proof of the end date. Also, if you became Medicare‑eligible before January 1, 2020 and have a federal special enrollment guaranteed‑issue event, the insurer must issue any Medigap plan open to new enrollees. You must apply within 63 days of that event and include proof.
No health questions for Medigap at Part B
Beginning July 1, 2026, if you are 65 or older and apply for a Medigap policy during the 6 months that start with your first Medicare Part B month, the insurer must issue the policy. The insurer cannot deny, limit, or raise your price because of your health, medical care, or claims history. Insurers may include a state‑approved contract clause, but your 6‑month signup protections still apply.
Switch Medigap plans each birthday
Beginning July 1, 2026, during the 30 days after your birthday, your insurer must let you switch to a Medigap plan with equal or fewer benefits than your current plan. For this switch, the insurer cannot deny you or raise your rate because of your health or medical history. The insurer must send you a notice 30 to 60 days before your birthday. The Insurance Commissioner sets a list that shows which plans count as equal or fewer benefits.
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Sponsors & Cosponsors
Sponsors
There is no primary sponsor on record.
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
Senate vote • 4/6/2026
Third Reading Passed
Yes: 46 • No: 0 • Other: 1
House vote • 2/12/2026
Third Reading Passed
Yes: 134 • No: 0 • Other: 6
Actions Timeline
Approved by the Governor - Chapter 139
4/14/2026Returned Passed
4/7/2026HouseThird Reading Passed (46-0)
4/6/2026SenateFavorable Adopted Second Reading Passed
3/31/2026SenateFavorable Report by Finance
3/30/2026SenateReferred Finance
2/13/2026SenateThird Reading Passed (134-0)
2/12/2026HouseSecond Reading Passed
2/10/2026HouseFavorable Adopted
2/10/2026HouseFavorable Report by Health
2/9/2026HouseHearing 1/29 at 2:00 p.m.
1/20/2026HouseFirst Reading Health
1/14/2026HousePre-filed
9/16/2025House
Bill Text
Enacted
4/14/2026
Third Reading
2/10/2026
First Reading
1/14/2026
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