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How to switch Medigap plans in Washington
By Vadim Marusin, licensed Medicare insurance agent in Washington (WAOIC #1365574). Insurer data checked against the state chart current as of October 8, 2026.
If you have Medigap Plan B through N, Washington law lets you move to any insurer's Plan B through N at any time, with no health questions. Most people who do it are paying too much for the same plan.
Who can switch with no health questions
- You have Medigap Plan B, C, D, F, high-deductible F, G, high-deductible G, K, L, M or N. You can apply for any other plan in that group, from any insurer, at any time.
- You have Plan A. You can apply for another insurer's Plan A.
If you first became eligible for Medicare on or after January 1, 2020, you can't move into Plans C or F.
The usual reasons to switch
- Same plan, lower price. Plan G is identical at every insurer. If another insurer in your county charges less for it, the difference buys you nothing.
- Plan F to Plan G. If you hold Plan F, compare its premium with Plan G plus the $283 Part B deductible.
- More coverage. Moving from N, K or high-deductible G to regular Plan G after a change in your health.
Step by step
- Find your county's options. Use your county page to see who sells there, then get quotes from them.
- Check household discounts. If your spouse is insured with an insurer, that can change the math.
- Apply for the new policy. The application asks about your current Medigap; that's how the insurer applies the switching rule.
- Wait for approval and an effective date. Don't cancel anything yet.
- Cancel the old policy, effective the day the new one starts. You must cancel the old policy; you can't keep two.
- Use the 30-day free look if needed. You can return the new policy within 30 days for a full refund.
No new waiting period
If your old policy was in force for at least three months, the new insurer can't apply a pre-existing condition waiting period.
What switching can't do
It can't move you from Plan B–N to Plan A, and it doesn't cover moving from a Medicare Advantage plan or employer plan into Medigap. Those moves follow guaranteed-issue rules or health questions.
Insurers selling Medicare Supplement Plan G in Washington
- Asuris
- Bankers Reserve Life
- First Health Life & Health
- GPM Health & Life
- HumanaDental
- Insurance Company of North America
- Medco Containment Life
- Premera
- Regence BlueCross BlueShield of Oregon
- Regence BlueShield
- State Farm (sold through State Farm agents)
- USAA (USAA eligibility required)
- United American
- United World Life (Mutual of Omaha)
- UnitedHealthcare (AARP) (AARP membership required)
- WA Health Care Authority Premera Plan G (state-sponsored group plan)
- Washington National