ABCDEFG
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StateRuleWhen can you Switch? What plan can you switch to? Notes
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CaliforniaBirthday Rule30 days before and 60 days after your birthdayAny Medicare Supplement of equal or lesser benefits
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ConnecticutOpen EnrollmentAnytimeAny Medicare Supplement
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IdahoBirthday Rule63 days beginning on your birthdayAny Medicare Supplement of equal or lesser benefitsStarted 01/01/2022
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IllinoisBirthday Rule
only for Age 65-75		45 days commencing with the individual’s birthday and must be effective within 90 daysAny Medicare Supplement of equal or lesser benefits within the same exact carrier brand.Started 01/01/2022
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Kentucky Birthday Rule within 60 days of their birthday The same Medicare Supplement plan letter
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LouisianaBirthday Rule 63 days from the date of your birthdayAny Medicare Supplement of equal or lesser benefits
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MarylandBirthday Rule Beginning on their birthday and ending 30 days after their birthday Any Medicare Supplement of equal or lesser benefits
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MassachusettsOpen EnrollmentAnytimeAny Medicare Supplement
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MissouriAnniversary RuleWithin 30 days of your policy anniversary dateThe same Medicare Supplement plan letter
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NevadaBirthday RuleCommencing with the first day of
the birthday month of the person and remaining open for at least
60 days thereafter		Any Medicare Supplement of equal or lesser benefits
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New YorkOpen EnrollmentAnytimeAny Medicare SupplementEffective date must be 1st of the month.
Pre-existing conditions can be enforced/excluded.
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OregonBirthday RuleWithin 30 days of the individuals birthday (30 before or 30 after) Any Medicare Supplement of equal or lesser benefitsEffective date cannot be prior to the individuals birthday
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UtahBirthday Rule60 day period starts on the individuals birthdayAny Medicare Supplement of equal or lesser benefitsStarts Effective May 7, 2025
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VermontOpen Enrollment
Only with CERTAIN
CARRIERS!		AnytimeAny Medicare Supplement plan with Select CompaniesStarts Effective July 1, 2025
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VirginiaBirthday Rule30 day period that starts on the individuals birthdayAny Medicare Supplement of equal or lesser benefits
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WashingtonOpen EnrollmentAnytimeAny Medicare SupplementMust already have a Medicare Supplement plan.
Effective date must be withing 60 days of application date.
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