Yes, you can switch Medicare Supplement (Medigap) plans, but approval is not always guaranteed. After your initial six-month Medigap Open Enrollment Period, most plan changes require medical underwriting, meaning the insurance company may review your health history before approving coverage.
In certain situations (such as losing other coverage or leaving a Medicare Advantage plan) you may qualify for guaranteed issue rights that allow you to enroll without underwriting. Because switching rules vary by state and timing matters, it’s important to review your options carefully before making a change.