Delaware Medicare supplement customers can switch plans near birthdays

People already enrolled in Medicare supplement insurance may choose another supplement policy. The new policy must offer the same or fewer benefits than the person's current policy. During this period, insurers may not deny coverage, set prices based on health or past care, or exclude preexisting conditions. The window starts 30 days before the person's birthday and stays open for at least 30 days after it. This rule took effect January 1, 2026.

Insurers must tell eligible customers when their birthday enrollment window opens and closes and explain their switching rights. This covers people enrolled in the insurer's Medicare supplement policies or certificates. The notice must also report any changes to the person's current benefits or premiums. Insurers must send the notice at least 30 days and no more than 60 days before the window begins. This rule took effect January 1, 2026.

People with Medicare Advantage coverage may leave it and enroll in Medicare supplement insurance. This applies to people enrolled in a Medicare Advantage plan or certificate who seek supplement coverage. Supplement insurers may not deny the policy or set conditions on when it takes effect. They may set each person's price and limit coverage for preexisting conditions as state law allows. People may switch during Medicare open enrollment periods. This rule took effect January 1, 2026.