Medicare Supplement Insurance (Medigap) helps Connecticut seniors and eligible disabled residents cover healthcare costs not fully paid by Original Medicare, such as deductibles, copayments, and coinsurance. Residents of Connecticut may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to anyone who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Connecticut
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 56,274 |
| 2 | N | 35,047 |
| 3 | G | 30,322 |
Note: Plans E, H, I, and J have been retired nationwide. Pre-standardized plans (sold before July 1992) may still exist but are no longer issued.
Did you know? Connecticut is one of only two states with a year-round Medigap open enrollment window. This means beneficiaries can apply for a Medigap plan at any time without facing health underwriting, a rare consumer protection not found in most states.
How Medigap Pricing Works in Connecticut
Insurers use different methods to determine Medigap premiums, which affects how rates change over time. In Connecticut, policies may be priced in one of three ways:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age at the time of purchase and rise with inflation, not age.
- Community rated – Everyone pays the same premium, regardless of age.
Under-65 Eligibility in Connecticut
Connecticut requires insurers to make Medigap coverage available to residents under 65 who qualify for Medicare due to disability or end-stage renal disease (ESRD). At least one plan must be offered, ensuring younger beneficiaries have access to supplemental coverage, though plan selection may be more limited.
Choosing a Medigap Plan in Connecticut
Although Plan F has historically been the most popular choice, many new enrollees are selecting Plan N for its balance of cost and coverage, while Plan G is gaining ground as a strong all-around option. All Medigap plans work nationwide at any provider that accepts Medicare, giving Connecticut residents peace of mind both in-state and when traveling.
To compare premiums and see available options in your area, visit our Medigap rate comparison page.