A FREE BENEFITS INSIDER GUIDE • 2026 EDITION
MEDICARE ADVANTAGE
vs.
MEDIGAP
The 1-Page Comparison
The Medicare plan you signed up for at 65 is almost certainly not the plan you should still be on at 70 or 75. Health changes. Premiums change. Plans change.
A free 1-page guide to tell which one fits.
› The two paths through Medicare
› The Rules Nobody Explains — and the One Window That Decides Everything
› What to do before you take action
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2026
UPDATED EDITION
WHAT YOU’LL get
Sound Familiar?
Most retirees are stuck on one of these three questions:
“Am I paying for more coverage I don’t need?”
If you’re healthy and barely used your Medigap plan, you may be spending hundreds a month for protection your current health doesn’t require.
The premium gap between the two paths can run up to $2,400 a year — and most people never check…
“What happens if I get sick on the wrong plan?”
Medicare Advantage’s out-of-pocket maximum is over $9,000 in a bad year — and switching back to Medigap can require medical underwriting if you miss the one-time guaranteed-issue window.
There’s a 6-month rule that decides everything, and almost nobody is told about it…
“Can I switch — and how, exactly?”
A handful of states offer broader Medigap protections than federal law requires. Sixteen more give you an annual window around your birthday. And federal law gives everyone a 12-month trial right almost nobody uses.
The rules vary enormously by state, and getting them wrong locks you into the wrong plan...
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The 9 differences that matter, the 6-month rule that decides everything, the state-by-state switching windows, and the 4 questions to ask any Medicare broker before you say yes.
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“I help retirees, benefit recipients, and pre-retirees make sense of the rules, deadlines, and decisions that determine how much of their benefits they actually keep.”
KWAME KUADEY
The Benefits Insider™
Adjunct Professor of Finance · Johns Hopkins Carey Business School
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©Benefits Insider 2026 · benefitsinsider.co
This guide is informational only. It is not legal, financial, or tax advice. Benefits Insider is not affiliated with the Social Security Administration.