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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.

Sponsors & Cosponsors

Sponsors

There is no primary sponsor on record.

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 180 • No: 0

Senate vote • 4/6/2026

Third Reading Passed

Yes: 46 • No: 0

House vote • 2/12/2026

Third Reading Passed

Yes: 134 • No: 0 • Other: 1

Actions Timeline

  1. Approved by the Governor - Chapter 139

    4/14/2026

  2. Returned Passed

    4/7/2026House

  3. Third Reading Passed (46-0)

    4/6/2026Senate

  4. Favorable Adopted Second Reading Passed

    3/31/2026Senate

  5. Favorable Report by Finance

    3/30/2026Senate

  6. Referred Finance

    2/13/2026Senate

  7. Third Reading Passed (134-0)

    2/12/2026House

  8. Second Reading Passed

    2/10/2026House

  9. Favorable Adopted

    2/10/2026House

  10. Favorable Report by Health

    2/9/2026House

  11. Hearing 1/29 at 2:00 p.m.

    1/20/2026House

  12. First Reading Health

    1/14/2026House

  13. Pre-filed

    9/16/2025House

Bill Text

  • Enacted

    4/14/2026

    PDF

  • Third Reading

    2/10/2026

    PDF

  • First Reading

    1/14/2026

    PDF

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