What Ohio law says
Federal law doesn't require companies to sell Medigap to people under 65, and it leaves states to decide. Some states do require it. Ohio doesn't: its Medigap open enrollment, under OAC 3901-8-08(N)(1), runs for 6 months starting the first month a person "is both sixty-five years of age or older" and enrolled in Part B. Before 65, there is no Ohio open enrollment and no Ohio rule making a company sell you a policy.
What rights you do have before 65
Federal guaranteed-issue rights, repeated in Ohio's rule (paragraph (O)), apply to people with Medicare at any age. For example, if you have employer coverage that supplements Medicare and it ends, or your Medicare Advantage plan leaves your area, a company must sell you certain Medigap plans without health questions. Apply within 63 days after the coverage ends. Keep the letter showing your end date.
Plans ending for 2027: if your Medicare Advantage plan sent a non-renewal letter, you may have this right now, even under 65. See plans ending in 2027.
At 65: your full open enrollment
When you turn 65 and have Part B, you get the same 6-month open enrollment as everyone else. During it, a company must offer you any policy it sells in Ohio and can't charge more for your health. Mark the date: it's the best chance to get Medigap you'll have.
The proposed bill
House Bill 24 of the 136th General Assembly would require companies to offer Medigap to people under 65 with a disability or ESRD. A committee version would cap their premiums at 125% of the age-65 premium and open a 180-day enrollment window. As of November 13, 2026, it remains in the House Insurance Committee. A bill has been proposed; it is not law, and it dies if not passed by December 31, 2026.
Your options now
- Ask Medigap companies directly. Some may sell with underwriting.
- Check help with costs. See Medicare Savings Programs and Ohio Medicaid and Medicare.
- Compare Medicare Advantage. See Medicare Advantage in Ohio.
A licensed insurance agent can explain what's available where you live: you can request a call from a licensed insurance agent. See also Medicare eligibility and Medigap in Ohio.
Related questions
When can I buy Medigap in Ohio?
Every window, in one place.
Does Ohio have a Medigap birthday rule?
No, and what HB 24 would change.
Can I get Medigap with pre-existing conditions?
When health can't count against you.
Sources
- Ohio Administrative Code 3901-8-08, Medicare supplement, paragraphs (N) and (O)
- Ohio Legislature — House Bill 24 (136th General Assembly), status
- Ohio Legislative Service Commission — HB 24 fiscal note (June 2, 2026)
- Medicare.gov — When can I buy a Medigap policy?
More questions in this guide
- Are Medigap rates in Ohio based on age?
- Can I get Medigap with pre-existing conditions in Ohio?
- Can I switch Medigap plans in Ohio?
- Does Ohio have a Medigap birthday rule?
- Is Medigap Plan F still available in Ohio?
- What is the difference between Medigap Plan G and Plan N?
- What happens to my Medigap if I move out of Ohio?
- When can I buy Medigap in Ohio?
Part of the guide: Medigap (Medicare Supplement) in Ohio · All questions
Frequently asked questions
Can any company sell me Medigap before 65 in Ohio?
A company may choose to, but Ohio law doesn't make it, and it can use medical underwriting. Ask the company directly; don't assume a policy is or isn't available.
What happens when I turn 65?
You get Ohio's regular 6-month Medigap open enrollment, starting the first month you are 65 and enrolled in Part B. Companies must offer you every policy they sell, regardless of your health, and Ohio's rule says this applies without regard to age.
Is there another way to fill Medicare's gaps before 65?
Some people use a Medicare Advantage plan or a Special Needs Plan, and people with limited income may qualify for Ohio Medicaid or a Medicare Savings Program. Compare the trade-offs before you choose.
Medicare in your Ohio county
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