Medicare Supplement Plans Indiana 2027: Under-65 Access, the Birthday Window and Pricing Caps

Federal law gives everyone a six-month Medigap open enrollment period starting when they are 65 or older and enrolled in Part B. Indiana goes beyond that floor for two different groups.

Sources: Indiana State Health Insurance Assistance Program (SHIP) fact sheets and Indiana Department of Insurance. HEA 1260 changes apply to policies delivered, issued or renewed on or after March 15, 2026.

About one in ten Medicare enrollees nationally qualifies before 65 through Social Security Disability, end-stage renal disease or ALS. In most of the country, insurers can turn these applicants down. Indiana’s SEA 215 changed that for Hoosiers who enroll in Medicare on or after January 1, 2025: they get a six-month window, starting the first day of the month their Medicare begins, when companies must accept them.

Plan D is rarely discussed, yet Indiana’s pricing cap makes it unusually relevant for younger enrollees. Plan D pays the Part A deductible, Part A and B coinsurance, skilled nursing coinsurance and foreign travel emergencies. Compared with Plan G, it skips only Part B excess charges, which are the up-to-15% surcharge a doctor who does not accept Medicare assignment may bill.

Illustration of the SEA 215 caps, not a quote. Actual premiums vary by company, ZIP code, sex and tobacco use.

Indiana’s birthday rule opens once a year from one month before your birthday to one month after it. During that span, a different company must sell you the same plan letter you already own without medical questions. High-deductible Plan G to standard Plan G counts as the same letter under the state’s guidance.

The full timing rules and examples are on our Indiana birthday rule page.

These worked examples use the projected 2027 Part B deductible of $292 and the 2027 high-deductible threshold of $3,050.

The last figure is our own math: $2,758 divided by 12 is about $230. If high-deductible Plan G costs that much less per month, it wins in any year; with a smaller gap, it wins only in light-use years. Plan F and high-deductible F remain open only to people eligible for Medicare before January 1, 2020.

Indiana SHIP notes that Medigap premiums are built one of three ways: by your age when you buy (issue age), by your current age (attained age), or the same for everyone regardless of age (no age rating). Premium increases must be approved by the Indiana Department of Insurance based on a loss-ratio review.

Medigap never includes prescriptions. Pair it with a stand-alone Part D plan, ideally chosen at the same time so you avoid the late penalty of 1% of the base premium for each month without creditable coverage. In 2027, Part D out-of-pocket drug costs are capped at $2,400 and the maximum deductible is $700. Our 2027 Part D plan finder guide walks through the comparison.

If you are weighing a supplement against a network plan, see Medicare Advantage plans in Indiana for the other side of the decision.