What it is: The main protected window to buy a Medigap (Medicare Supplement) policy with the strongest consumer protections.

Who it’s for: People who are 65 or older and enrolled in Part B, and want Medigap to help with out-of-pocket costs in Original Medicare.

When it happens: A 6-month window that typically starts when your Part B coverage begins (and you’re 65+).

What you can do:

• Buy any Medigap policy sold in your state (subject to the rules of this enrollment window).

• Choose a plan that fits your budget and how much you want to limit surprise costs.

Big watch-out: After this window, medical underwriting may apply in many situations, depending on your state and circumstances. If you delay Part B, your Medigap Open Enrollment often starts later—so timing matters.