Medigap Birthday Rule - A Dissapointing Surprise

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In this eye-opening video, we dive into the *Medicare Supplement Birthday Rule*—a regulation that sounds helpful on the surface but may be causing more harm than good. While intended to protect consumers with pre-existing conditions, these state-mandated rules allow beneficiaries to switch Medicare supplement plans once a year without medical underwriting. But what state legislatures didn’t anticipate are the unintended consequences: higher premiums, fewer insurance providers, and shrinking access to knowledgeable agents. Using real-world examples from states like Idaho and Nevada, I break down how these policies are backfiring, hurting the very people they were meant to help.

This isn't just a rant. I reveal why insurance companies are fleeing birthday rule states and how these laws are destabilizing the Medicare supplement market nationwide. More importantly, I offer a simple, targeted solution that protects vulnerable consumers *without* driving up costs for everyone. Whether your state already has a *Medicare Supplement Birthday Rule*, is considering one, or you're simply trying to understand the ripple effects of such laws, this video is a must-watch. Be sure to like, subscribe, and share—especially with your state legislators. Let’s get the facts out there.

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