Medicare Supplement Plans Virginia 2027: The New Birthday Rule and How to Use It
Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 29, 2026
Medicare Supplement plans in Virginia are the same standard plans sold nationwide (Plan G, Plan N, high-deductible Plan G and others), but since July 1, 2025 Virginia gives current Medigap members a yearly window of at least 60 days, starting on their birthday, to move the same benefits to a different insurer with no health questions. For 2027 that makes Virginia one of the easier states to cut your premium after you buy.
2027 by the Numbers
60+ days
yearly Virginia birthday window, starting on your birthday (Code of Virginia § 38.2-3611, 2025 update)
15-30 days
how far ahead your insurer must mail your birthday-window notice (§ 38.2-3611)
July 1, 2025
date the Virginia birthday rule took effect
$209.50
projected 2027 Part B premium (Medicare Trustees; CMS confirms in November)
For years, Virginia worked like most states: once your six-month Medigap open enrollment ended, switching plans meant answering health questions, and a bad answer could get you turned down. The General Assembly changed that in 2025. Now Virginia rewards people who keep checking prices, because you can carry the same coverage to a cheaper company every year.
This page explains exactly how that window works, what you can and cannot switch to, and the extra protections Virginia gives people under 65. If you are still choosing a plan letter, start with our 2027 Medicare Supplement comparison chart, then come back here for the Virginia rules.
Compare 2027 Virginia Medigap Rates
How Virginia's Birthday Window Works, Day by Day
The rule lives in Code of Virginia § 38.2-3611, rewritten by two 2025 laws. It applies to anyone who already owns an individual Medicare Supplement policy in Virginia. You do not need to be sick, moving or losing coverage. Your birthday alone opens the door.
Watch your mail 15 to 30 days before your birthday. Your current insurer must send a notice with the window’s start and end dates, your rights, and any changes coming to your own policy’s benefits or premium.
The window opens on your birthday itself. Not the first of your birth month. If your birthday is May 20, your window starts May 20.
You have at least 60 days. Apply with any company that sells Medigap in Virginia. It may not deny you, add conditions or charge you more because of your health, claims history or medical care.
Start the new policy, then cancel the old one. Do not drop your current plan until the new company confirms your approval and start date, so you never have a gap.
Broker tip: Put a reminder in your calendar for about a month before your birthday every year. That is when the notice arrives, and it is the best time to compare prices for the exact plan you already own.
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Same Benefits Only: What the Virginia Rule Lets You Switch To
The law protects you when you buy a policy with “the same benefits” as your current coverage. In plain words, the window is for changing companies, not for upgrading your coverage. Extra perks some insurers add, such as gym or hearing discounts, do not count when deciding whether benefits are the same.
| You own today | Protected move in your birthday window | Not protected (health questions likely) |
|---|---|---|
| Plan G from Company A | Plan G from Company B, C or any other Virginia insurer | Moving up to Plan F, or down to Plan N |
| Plan N | Plan N from another insurer | Moving up to Plan G |
| High-deductible Plan G | High-deductible Plan G elsewhere | Regular Plan G (richer benefits) |
| Plan F (eligible before 2020) | Plan F from another insurer that still sells it | Any plan letter with different benefits |
Based on the “same benefits” wording in § 38.2-3611. A company may still accept a different plan letter if you pass its health questions.
Wondering if Plan G or Plan N is the better long-term fit? Our Plan G 2027 guide walks through the math, because whichever letter you pick at 65 is the one Virginia’s window lets you keep re-shopping.
Pricing a Virginia Plan Without a Published Rate Chart
Some states print a yearly guide with every company’s price. Virginia’s Bureau of Insurance instead offers an online Medigap Premium Finder on its website, where you look up insurers and their premiums for each plan. We could not pull a current, dated Virginia rate chart to publish here, so we will not quote average prices that might be out of date. Use the steps below to get real numbers for your own ZIP code.
Pick one plan letter first. Compare Plan G to Plan G, or Plan N to Plan N. Comparing different letters hides the real price gap.
Check the pricing method. Ask whether the price is attained-age (rises as you age), issue-age or community-rated. A low attained-age price at 65 can climb faster.
Ask about household discounts. Many companies take a few percent off when two people in the home buy a policy.
Look at the last few rate increases. A company that raised rates sharply in recent years may do it again. Your birthday window lets you leave, but switching takes effort.
Good to know: Virginia gives you a 30-day free look. If you return a new policy within 30 days of receiving it, you get a full premium refund.
Extra Protections for Virginians Under 65
Federal law does not force insurers to sell Medigap to people under 65 on Medicare. Virginia does, and it has added more rules since 2021. These matter if you have Medicare because of a disability, end-stage renal disease (ESRD) or ALS.
At least one plan must be offered. Companies that sell Medicare Supplement plans in Virginia must offer at least one plan to people under 65 who have Medicare because of a disability, including ESRD.
Six-month open enrollment. If you became eligible on or after January 1, 2021, you get six months to apply, starting with the first month of your disability-based Medicare. Since January 1, 2024, people with ESRD also get their own six-month window.
Price capped at the age-65 rate. For coverage bought in open enrollment or renewed on or after January 1, 2024, the premium for someone under 65 cannot be higher than the same plan’s price for a 65-year-old.
A second chance at 65. When you turn 65 you get a new six-month open enrollment to buy any standard plan, with no health questions.
Companies to Compare for Virginia Medigap in 2027
Dozens of companies are licensed to sell Medigap in Virginia, and coverage is identical for the same letter, so the choice comes down to price, rate history and service. Companies we can help you compare in Virginia include:
Aetna. Sells Virginia Medigap through its Continental Life company. Ask for household and other discounts.
Mutual of Omaha. A long-time Medigap insurer with Virginia rates on file for 2026.
CareFirst BlueCross BlueShield. The Blue Cross plan serving parts of Northern Virginia, an option to check if you live in its area.
Availability and prices change by ZIP code, so confirm which of these quote your address. See how carriers stack up on our best Medicare Supplement plans 2027 page.
The 2027 Medicare Costs a Virginia Supplement Covers
Your supplement pays the bills Original Medicare leaves behind. Here is what those gaps are projected to look like in 2027 and which popular Virginia plans pick them up.
| 2027 Medicare cost | Amount | Plan G | Plan N |
|---|---|---|---|
| Part A hospital deductible | $1,788 per benefit period (projected) | Paid | Paid |
| Part B deductible | $292 a year (projected) | You pay | You pay |
| Part B premium | $209.50 a month (projected) | You pay | You pay |
| Part B 20% coinsurance | No yearly cap | Paid | Paid, except up to $20 office and $50 ER copays |
| Part B excess charges | Up to 15% over Medicare’s rate | Paid | You pay |
2027 Part A and Part B figures are Medicare Trustees projections; CMS announces final amounts, usually in November.
No supplement covers Part D drugs. In 2027 a separate drug plan can have a deductible up to $700, with a $2,400 yearly out-of-pocket cap. Learn more on our Medicare Part B page.
Bottom Line
Virginia’s 2025 birthday rule means the plan you buy at 65 does not lock you into one company. Choose your plan letter carefully, since the window only protects the same benefits, then re-check prices every year when your notice arrives.
See 2027 Medicare Supplement prices for your Virginia ZIP code
Virginia Medicare Supplement Plans 2027 — Frequently Asked Questions
➤ Does my Virginia birthday window start on my birthday or the first of my birth month?
It starts on your actual birthday and stays open at least 60 days after. Some other states start on the first of the birth month, but Virginia’s law uses the birthday itself.
➤ Can I use the Virginia birthday rule to go from Plan N to Plan G?
No. The protection only covers a policy with the same benefits you already have. A company may still sell you Plan G, but it can ask health questions and turn you down.
➤ Can I switch to a cheaper Plan G with the same company during my window?
The law lets you buy the same benefits from any insurer selling Medigap in Virginia. Ask your current company whether it has a lower-priced version, but most people use the window to move to a different company.
➤ When did Virginia’s Medigap birthday rule start?
It took effect July 1, 2025, after changes the General Assembly passed in 2025 to Code of Virginia § 38.2-3611.
➤ Does the birthday rule let me switch from Medicare Advantage back to Medigap?
No. It only helps people who already own a Medicare Supplement policy. Leaving a Medicare Advantage plan for Medigap normally means answering health questions unless a federal guaranteed-issue right applies.
➤ I am 58 and on Medicare for a disability. Can I get Medigap in Virginia?
Yes. Virginia requires companies to offer at least one plan to people under 65 on Medicare due to a disability or ESRD, and since 2024 your premium cannot be higher than the age-65 price for that plan.
➤ Will I lose anything by switching companies in my window?
Your benefits stay the same because plan letters are standard. You may lose company-specific extras or a long-time loyalty discount, so compare the full price before switching.
➤ Where can I check Virginia Medigap prices myself?
The State Corporation Commission’s Bureau of Insurance has a Medigap Premium Finder on its website. You can also compare quotes from several companies at once with a licensed broker.
Compare Medicare Supplement Plans
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Compare 2027 Plan G, Plan N and more from several insurance companies in one call.
No obligation to enroll