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Medicare Supplement Plans Indiana 2027: New Birthday Rule, Under-65 Access and Plan G

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 29, 2026

Medicare Supplement plans in Indiana are sold by 36 insurance companies, and starting in 2026 Indiana lets current policyholders switch to the same plan letter at another company each year around their birthday with no health questions. Plan G is the clear favorite: about 61% of Indiana’s 374,468 Medicare Supplement enrollees had it at the end of 2025.

2027 by the Numbers

374,468

Indiana Medicare Supplement enrollees, Dec. 2025 (Mark Farrah Associates)

61%

of Indiana enrollees in Plan G (same report)

36

companies on the Indiana Department of Insurance seller list, Aug. 2026

Jan. 1, 2026

start of Indiana’s birthday rule (HEA 1226)

Indiana changed its Medicare Supplement laws three times in six years. A 2020 law opened Plan A to people under 65, a 2024 law gave younger enrollees a one-time chance to buy coverage in 2025, and a 2025 law created a yearly birthday switching window that began January 1, 2026. If you live in Indiana, those laws shape when you can buy, when you can switch and what you pay.

This page covers what is special about buying in Indiana for 2027. For the benefits of each plan letter, see our Medicare Supplement Plan G 2027 guide.

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Which Plans Hoosiers Actually Own

Medicare Supplement plans Indiana 2027: share of Indiana enrollees in Plan G, Plan F and Plan N, December 2025

Indiana leans harder toward Plan G than most states. A December 2025 market report from Mark Farrah Associates counted 374,468 Medicare Supplement enrollees in Indiana. Here is how they split by plan letter.

Plan letter Indiana enrollees Share
Plan G 229,838 61.4%
Plan F 99,043 26.5%
Plan N 34,952 9.3%
Plan A 902 0.2%

Source: Mark Farrah Associates, December 2025 Medigap Enrollment & Market Share report (data as of Dec. 31, 2025).

Plan F holders are mostly people who joined Medicare before 2020, since Plan F is closed to anyone newly eligible after January 1, 2020. The market is spread out: the largest company held about 25.5% of Indiana enrollees, and the next three held 16.4%, 9.5% and 7.1%.

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Indiana's Birthday Rule Began January 1, 2026

House Enrolled Act 1226, passed in 2025, gives Indiana policyholders age 65 and older a yearly switching window tied to their birthday. The Indiana State Health Insurance Assistance Program’s fact sheet explains how it works.

1

Already have a policy. The rule is only for people who already own a Medicare Supplement. It is not a way to buy your first policy without health questions.

2

Watch the two-month window. It runs from one month before your birthday to one month after it, every year.

3

Keep the same letter. You can move Plan G at one company to Plan G at another. Moving from High-Deductible Plan G to Plan G is also allowed.

4

Know what is not covered. Moving to a different letter, such as Plan F to Plan G, is not guaranteed under the rule.

5

Mark the start date. The new policy begins on the first day of the month after you sign the application. Sign on June 15 and coverage starts July 1.

Good to know: A 2026 follow-up law, HEA 1260, amended the rule for policies delivered, issued or renewed on or after March 15, 2026. Ask the insurer to confirm your window before you cancel anything.

Buying Before 65 on Indiana Medicare

Federal law does not require companies to sell Medicare Supplement plans to people under 65. Indiana does, through two laws.

Indiana law What it did Status for 2027
SEA 392 (“Tammy’s law”) Companies that sell to people 65+ must also offer Plan A to people under 65 In effect since July 1, 2020
SEA 215, one-time window People under 65 who were already on Medicare could join without being turned down, Jan. 1 to June 30, 2025 Closed
SEA 215, new enrollees Anyone newly eligible under 65 after Jan. 1, 2025 gets a six-month guaranteed window In effect
SEA 215, price limits Plans A, B and D cost the same as the age-65 rate; other plans, like Plan G, can cost up to 200% of it In effect

Source: Indiana SHIP, Medicare Supplement Plans page (in.gov/ship), 2026.

Broker tip: If you missed the 2025 window, your next guaranteed chance comes at 65, when your federal six-month open enrollment starts. See our open enrollment period guide.

How Indiana Approves Premiums

Medicare Supplement plans Indiana 2027: three pricing methods approved by the Indiana Department of Insurance and 36 insurers

The Indiana Department of Insurance must approve every Medicare Supplement premium rate before a company can use it, and it reviews increases using the company’s loss ratio, meaning how much of the premium is paid out in claims.

Issue-age pricing. Your rate is based on your age when you buy. It can still rise for inflation, but not because you got older.

Attained-age pricing. Your rate climbs as you age, on top of any group increase.

No age rating. Everyone in the area pays the same rate regardless of age.

Who sells here. The Department’s list of companies selling Medicare Supplement insurance in Indiana, revised Aug. 11, 2026, names 36 insurers.

Indiana does not print a premium chart. Its official comparison is the SHIP online tool, “Compare Medicare Supplement Policies,” which shows approved rates by ZIP code. Our page on Plan G rate increases for 2027 explains what drives yearly changes.

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Choosing a Letter in Indiana for 2027

With the birthday rule now locking you into the same letter when you switch, the plan you pick first matters more in Indiana than it used to.

Plan What you pay in 2027 Fits Hoosiers who
Plan G Part B deductible, projected $292 Want almost no bills and the option to shop the same letter every birthday
Plan N Part B deductible plus copays up to $20 office / $50 ER Are healthy and want a lower premium
High-Deductible G First $3,050 of covered costs Have savings; the rule lets them move up to regular Plan G later

2027 deductible figures: Medicare Trustees projection and CMS. Plan N does not cover Part B excess charges.

Notice the last row. Because Indiana’s rule allows High-Deductible G to Plan G, starting on the cheaper version is less risky here than in states with no switching window. Compare the two on our Plan G vs Plan N page.

Free Counseling from Indiana SHIP

Indiana’s State Health Insurance Assistance Program, known as Indiana SHIP, is run with the Indiana Department of Insurance and federal Administration for Community Living funding. Its counselors are volunteers certified by the Department, and they help in person, by phone or online at no cost.

1

Pull your current policy. Note your plan letter, company and premium so you can compare the same letter.

2

Check your birthday window. Count one month back and one month forward from your birthday.

3

Get quotes from several of the 36 insurers. A licensed agent can show many at once at no extra cost.

4

Apply, then cancel. Keep your old policy until the new one is approved and its start date is set.

Bottom Line

Indiana gives Medicare Supplement buyers more chances than most states: Plan A before 65, price limits for younger enrollees, and since 2026 a yearly birthday window to move the same plan letter to a cheaper company. Pick your letter carefully at 65, then use your birthday each year to check whether another company’s rate is lower.

View 2027 Indiana plans & rates in your ZIP code

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Medicare Supplement Plans Indiana — Frequently Asked Questions

➤ Does Indiana have a Medicare Supplement birthday rule now?

Yes. House Enrolled Act 1226 created it, and it took effect January 1, 2026. Current policyholders age 65 and older can switch to the same plan letter at another company from one month before to one month after their birthday.

➤ Can I use Indiana’s birthday window to move from Plan F to Plan G?

Not as a guaranteed right. The SHIP fact sheet says moving between different letters, such as F to G, is not guaranteed. Moving from High-Deductible Plan G to Plan G is allowed.

➤ When does a policy bought during my Indiana birthday window start?

On the first day of the month after you sign the application. For example, an application signed June 15 starts July 1.

➤ How much more can an Indiana insurer charge someone under 65 for Plan G?

Under SEA 215, plans other than A, B and D can cost up to 200% of the age-65 premium. Plans A, B and D must cost the same as the age-65 rate.

➤ What was Indiana’s 2025 one-time window for people under 65?

From January 1 to June 30, 2025, people under 65 who were already on Medicare could join a plan without being turned down for health reasons. That window has closed; people newly eligible after January 1, 2025 get their own six-month window.

➤ How many companies sell Medicare Supplement coverage in Indiana?

The Indiana Department of Insurance list revised August 11, 2026 names 36 companies. The Department notes the list can change at any time.

➤ Who approves Medicare Supplement rate increases in Indiana?

The Indiana Department of Insurance. It must approve every premium rate, and it reviews increases based on how much of the premium the company pays out in claims.

➤ Why do so many Hoosiers choose Plan G?

Plan G is the most complete plan open to people new to Medicare since 2020. About 61% of Indiana enrollees had it at the end of 2025, per Mark Farrah Associates.

New to Medicare?

If you are new to Medicare, then you can enroll in a 2027 Medicare Supplement plan up to six months prior to your Medicare Part B effective date.

Call one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. You can contact them at 1-855-409-6195.

Medicare Supplement Quotes

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Compare 2027 Plan G, Plan N and more from several insurance companies in one call.

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Compare plans & benefits in your area

Or speak with a licensed insurance agent

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Medicare Supplement Plans 2027
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This website and the Medicare Supplement insurance plans referenced on it are not connected with or endorsed by the U.S. government or the federal Medicare program. Medicare Supplement (Medigap) insurance is sold by private insurance companies. MedicareSupplementPlans2027.org is a website owned and operated by ZRN Health & Financial Services, LLC, a Texas limited liability company and licensed insurance agency. We do not offer every plan or insurance company available in your area; any information we provide is limited to the plans and companies we represent. Plan availability, benefits and premiums vary by state, age, gender, tobacco use, ZIP code and insurance company, and are subject to underwriting where permitted by law. Rates and figures shown on this site may reflect 2026 data and are for informational purposes only; your actual premium will be determined by the insurance company. You must continue to pay your Medicare Part B premium. Medicare Supplement plans are not Medicare Advantage plans and do not include prescription drug coverage. By submitting your information in the form, you agree to this site's privacy policy and expressly consent to be contacted at the number entered in the form (including a wireless number if provided) by licensed insurance agents or other partners offering related products that may be of interest to you, by phone, email or text. You understand that these calls may be generated using an automatic telephone dialing system, a pre-recorded message or artificial voice, or by sending SMS messages. Your telephone company may impose additional charges for such messages. You understand that you are not required to provide this consent to purchase goods or services. Receiving quotes through our website is always free, and you are under no obligation to purchase any goods or services as a result of this request. For information on all of your Medicare options, contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day, 7 days a week, or your local State Health Insurance Assistance Program (SHIP).