Nevada Medigap Birthday Rule (AB 250) | Switch Plans With No Health Questions

If you have a Medicare Supplement policy in Nevada, you have a right that people in most of the country do not: an annual window to change Medigap plans without medical underwriting. No health questions, no being turned down for a condition you already have.

It came from Assembly Bill 250, codified at NRS 687B.352, and it has been in effect since January 1, 2022. Only around ten states have anything comparable. If nobody has told you about it, you are not unusual — it is one of the most under-used rights in Nevada Medicare.

How the window works

It opens the first day of your birth month and stays open for at least 60 days after.
No medical underwriting. Your health history cannot be used to deny you or raise your rate.
Same or lesser benefits. You can move to a policy with benefits equal to or lower than what you have now. You cannot use this window to upgrade to richer coverage.
You must already have a Medigap policy. This is a switching right for current policyholders, not a way in from scratch.

The window is tied to your birth month, not your policy anniversary and not the Annual Enrollment Period in the fall. Miss it and the next one is a year away — which is exactly how most people end up overpaying for years.

Why it matters more in 2026

Medigap premiums are not fixed. Carriers file rate increases, and a policy that was competitively priced when you bought it can drift well above the market after a few years. The usual trap is that by the time you notice, your health has changed — and in most states that means underwriting will keep you where you are.

Nevada's birthday rule removes that trap. If your Plan G premium has climbed, you can move to another carrier's Plan G — identical standardized benefits, since Medigap letters are standardized by law — at a lower price, and your health cannot be held against you. The coverage does not change. Only the bill does.

Where it does not apply

Two situations catch people out:

You are on Medicare Advantage. The birthday rule is a Medigap-to-Medigap right. Moving from an Advantage plan to a Medigap policy generally still requires underwriting, outside of specific guaranteed-issue situations.
You want better benefits. Same or lesser only. Plan N to Plan N works; Plan N to Plan G generally does not.

There are other guaranteed-issue rights in federal law — losing employer coverage, a plan leaving your area, a trial right in your first year on Medicare Advantage. Those are separate from the birthday rule and worth checking if the window does not fit your situation.

How to use it

Roughly six to eight weeks before your birth month, ask us to shop your exact plan letter across the carriers we represent. If a materially cheaper policy exists for the same standardized benefits, you apply inside your window, and the new policy replaces the old one. If nothing beats what you have, you stay put and we check again next year.

Either outcome is worth the conversation. It costs nothing, and the alternative is finding out three years from now that you have been paying more than you needed to.

Common Questions

Questions we get

It begins on the first day of your birth month and remains open for at least 60 days afterward. If your birthday is in June, your window opens June 1. It is tied to your birth month, not the date of your birthday and not your policy anniversary.

No. Nevada's rule lets you move to a policy with the same or lesser benefits. You can move from one carrier's Plan G to another carrier's Plan G, or step down to a lesser plan, but you cannot use this window to upgrade to richer coverage without underwriting.

Not if you stay in the same plan letter. Medigap plans are standardized by law, so Plan G from one carrier covers the same things as Plan G from another. What changes is the premium, the carrier's service, and their rate-increase history — which is worth weighing alongside price.

Generally no. The birthday rule is a right for people who already hold a Medigap policy. Moving from Medicare Advantage to Medigap usually requires medical underwriting unless you qualify for a separate guaranteed-issue right, such as a trial right during your first year on an Advantage plan.

Not when you use the birthday rule correctly. That is the entire point of it — inside your window, for a same or lesser benefit plan, the carrier cannot use your health history to decline you or rate you up.

Check My Dual Plan Eligibility

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Written and reviewed by Darin Weidauer — licensed Nevada insurance agent (NPN 18580338), Gerontologist (USC Davis School of Gerontology), MBA, Registered Social Security Analyst, and 22-year U.S. Air Force veteran. Independent and appointed with 10 Nevada carriers.Last reviewed September 2, 2026. Plan availability, benefits and costs change every plan year — verify current details at Medicare.gov or 1-800-MEDICARE.

Nevada's Medigap Birthday Rule