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guaranteed renewable

What is guaranteed renewable?

What is guaranteed renewable?

Guaranteed renewable refers to a health plan in which the insurer is required to renew the policy as long as the policyholder consistently pays premiums when they’re due.

Medigap plans are guaranteed renewable, with the exception of some policies purchased before 1992 in some states.1 And Medigap benefits are standardized, so the policy will renew with the same benefits from one year to the next (except for the deductibles and out-of-pocket limits that apply to some Medigap plans, as those change each year).2

Medicare Advantage and Medicare Part D plans are also guaranteed renewable, but benefits on those plans can change significantly from one year to the next, so although your plan will renew if you don’t make changes during open enrollment (and assuming you continue to pay your premiums), your coverage might be very different in the coming year.

Footnotes
  1. ”Medigap (Medicare Supplement Health Insurance)” Centers for Medicare & Medicaid Services. Accessed July 1, 2025 ⤶
  2. ”Compare Medigap Plan Benefits” Medicare.gov. Accessed July 1, 2025 ⤶

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