Alaska Medicare Supplement Plans 2026: Plan A, D or G, and Under 65

Every Alaska Medicare supplement company must sell Plan A along with Plan D or Plan G, a rule the state's 2026 consumer guide says has applied since January 2020.1 An Alaskan who is 65 or older gets a one-time, six-month Medigap Open Enrollment Period that starts with their first enrollment in Medicare Part B, and during it a company cannot reject them for any policy it sells.1 The same Alaska guide warns that most Medigap companies in the state do not sell policies to people under 65 who are on Medicare because of a disability.1

In This Guide

• Which Medicare supplement plans must every Alaska company sell?
• Can you buy an Alaska Medicare supplement plan if you're under 65?
• When is the Alaska Medigap open enrollment window?
• Will an Alaska Medigap policy cover a pre-existing condition right away?
• What happens in Alaska if your other coverage ends?
• What if you try Medicare Advantage first?
• How do Alaska's Medigap buying windows compare?
• How do you buy an Alaska Medigap policy safely?
• Where can Alaskans get Medigap help?
• Frequently Asked Questions

Which Medicare supplement plans must every Alaska company sell?

Alaska limits Medicare supplement companies to selling standardized policies, and since June 1, 2010, those companies can sell only 10 plans, identified by the letters A, B, C, D, F, G, K, L, M, and N, according to the 2026 Consumer Guide to Medicare Supplement Insurance (Medigap) published by the Alaska Division of Insurance and the Medicare Information Office.1 An Alaska Medigap company does not have to sell all 10 plans, but the guide says that beginning in January 2020 every Medicare supplement company must sell Plan A (basic benefits only) along with Plan D or Plan G. The Alaska guide adds that an insurance company usually cannot add to or modify the benefits inside these lettered plans.1

Alaska's Plan A plus D-or-G requirement sets a higher bar than the national rule. The Centers for Medicare & Medicaid Services (CMS) guide Choosing a Medigap Policy says only that all insurance companies that sell Medigap policies must offer at least Plan A.1

Your Medicare eligibility date decides whether the top plans are open to you:

• Eligible before January 1, 2020: Alaska's guide says Plans C, F, and high-deductible Plan F remain available only to people in this group.1
• New to Medicare on or after January 1, 2020: CMS says this group can't buy Plans C and F but has the right to buy Plans D and G, which give the same benefits except coverage of the Part B deductible.1
• Who counts as new: CMS treats a person as new to Medicare if they turned 65 on or after January 1, 2020 and get Medicare Part A on or after January 1, 2020.1

Alaska's guide notes that a high-deductible version of Plan G has been available since January 1, 2020, alongside the older high-deductible Plan F. Alaska Medigap companies must also keep allowing people who bought policies before June 1, 2010, to keep those policies, according to the guide.1 For how the two most-compared lettered plans differ in practice, see Medigap Plan G vs Plan N, and for the full letter-by-letter layout, see how the lettered Medigap plans work.

Can you buy an Alaska Medicare supplement plan if you're under 65?

Alaskans under 65 who have Medicare Part B because of a disability, as determined by the Social Security Administration, or because of end-stage renal disease (ESRD) are not eligible for a Medigap open enrollment period until they turn 65, according to Alaska's 2026 Medigap consumer guide.1 The same guide says most companies selling Medicare supplement policies in Alaska do not sell them to beneficiaries who are younger than 65 and on Medicare because of a disability.1

Federal law generally doesn't require insurance companies to sell Medigap policies to people under 65, according to CMS's Choosing a Medigap Policy guide.1 Even inside the guaranteed issue situations described below, Alaska's guide says a person on Medicare under age 65 can buy only from companies that sell to people under 65.1

Alaska's consumer guide points under-65 Medicare beneficiaries to two places:

1. The Alaska Medicare Information Office, which the guide says to contact for help finding a Medigap company for you.1
2. The Alaska Comprehensive Health Insurance Association (ACHIA), which the guide says "may be a good fit" and through which a person younger than 65 and on Medicare "may be eligible" for health insurance.1

The Alaska guide does not promise that either route produces a policy, so treat ACHIA as something to ask about rather than a guaranteed option.

A second window opens at 65

An Alaskan who already has Medicare Part B before turning 65 still gets a Medigap Open Enrollment Period at 65, according to CMS's Choosing a Medigap Policy guide.1 During that one-time, six-month Medigap Open Enrollment Period, CMS's guide says an insurance company can't refuse to sell an Alaskan who got Part B early any of the Medigap policies it offers, or deny coverage because of pre-existing health problems.1

When is the Alaska Medigap open enrollment window?

Alaska's Medigap open enrollment period starts when you are 65 or older and enroll in Medicare Part B for the first time, and it ends six months later, according to the state's 2026 consumer guide.1 During the Alaska Medigap open enrollment period, a company cannot reject you for any policy it sells and must offer you its best rates, depending only on your age, gender, smoking status, and ZIP code.1

Because the Alaska window is tied to your first Part B enrollment at 65 or older, an Alaskan who first enrolls in Part B after turning 65 has a window that starts at that later enrollment.1 CMS calls the Medigap Open Enrollment Period a one-time enrollment period that doesn't repeat every year, and says insurers can't use medical underwriting during it to accept your application or deny you coverage because of pre-existing health problems.1

After the six months end, Alaska's guide warns that companies may refuse to provide Medigap coverage because of health reasons.1 Under federal law, Medicare.gov adds that buying outside the Medigap Open Enrollment Period can mean paying more for a policy and having fewer policy options.2 For the national mechanics of the window, see when the Medigap Open Enrollment Period runs.

Will an Alaska Medigap policy cover a pre-existing condition right away?

Not always. Alaska's 2026 Medigap consumer guide says a waiting period can apply to pre-existing conditions even when you buy a Medicare supplement policy during open enrollment, and that the longest waiting period a company can require is six months.1 CMS says a Medigap policy can exclude a pre-existing condition only if the condition was treated or diagnosed within the 6 months before the policy's coverage starts.1

Alaska's guide lists three ways to avoid a Medigap waiting period for pre-existing conditions:1

1. You are in your open enrollment period and apply within 63 days of the end of previous creditable health coverage.
2. You lose health care benefits in one of the situations the guide describes (the guaranteed issue events below) and apply within 63 days of the end of that coverage.
3. You replace a Medicare supplement policy you have had for at least six months, with no gap between the end of the old policy and the start of the new one.

If an Alaskan's previous health coverage lasted less than six months, the guide says the new Medigap company must give credit for the time covered under that plan.1 When a new Alaska Medicare supplement policy includes benefits the previous coverage did not, the guide says a six-month waiting period may apply to those added benefits.1

While a Medigap pre-existing condition waiting period runs, CMS says Original Medicare still covers the condition for Medicare-covered services, and you pay the Medicare coinsurance or copayment.1 The national rules are covered in more depth in Medigap and pre-existing conditions.

What happens in Alaska if your other coverage ends?

Appendix A of Alaska's 2026 Medigap consumer guide, titled "Guaranteed Issue Without Open Enrollment," says certain events require insurance companies to offer Medicare supplement plans without considering pre-existing health conditions.1 To use one of these Alaska guaranteed issue rights, the guide says you must apply for the new Medicare supplement plan within 63 days of the end of your previous coverage.1

When an Alaska guaranteed issue event applies and you apply in time, the guide lists three protections:1

• A company cannot refuse to issue you a Medicare supplement plan.
• A company cannot charge you higher premiums because of your health condition.
• You will not have a waiting period before benefits are paid.

The three coverage-loss events in Alaska's chart

Alaska's guaranteed issue chart opens with three situations in which coverage you already have ends:1

1. Employer coverage cuts back. You are covered by an employer group health plan that pays benefits, and the plan stops providing some or all health benefits to you.
2. A Medicare Advantage plan ends for you. You disenroll because you move out of the plan's service area, the plan stops providing Medicare services, or the plan seriously violates its contract or misrepresents itself in marketing.
3. A Medigap policy ends. Your Medicare supplement policy ends because the insurance company is insolvent or bankrupt, your coverage is involuntarily ended, or the plan seriously violates its contract or misrepresents itself in marketing.

For those three events, Appendix A of the Alaska guide lists these plan choices, available from any company selling them:1

• If you were eligible for Medicare before January 1, 2020: Plan A, B, C, F, high-deductible Plan F, high-deductible Plan G, K, or L.
• If you were eligible for Medicare on or after January 1, 2020: Plan A, B, D, G, high-deductible Plan G, K, or L.

These lists come from the Alaska guide's chart, which is a consumer summary rather than the text of any statute. CMS says its own federal guaranteed issue chart covers the most common situations under federal law and that you may have additional rights under your state's laws.1 The federal version is explained in Medigap guaranteed issue rights.

What if you try Medicare Advantage first?

A Medigap policy only helps with Original Medicare costs: CMS's booklet Understanding Medicare Advantage Plans says you can't use Medigap to pay Medicare Advantage copayments, coinsurance, deductibles, or premiums.3 The same CMS booklet says it's illegal for anyone to sell you a Medigap policy while you're in a Medicare Advantage Plan unless you're switching back to Original Medicare.3

Alaska's guaranteed issue chart includes two 12-month trial situations for people who leave Medicare Advantage, each subject to the same 63-day application deadline:1

• You dropped a Medigap policy to try Medicare Advantage. If you stop a Medicare supplement plan, enroll in a Medicare Advantage plan, and disenroll within the first 12 months, the Alaska guide says you must be allowed to re-enroll in the Medicare supplement you most recently had if the same company still offers it. If that policy isn't available, the same two plan lists from the coverage-loss events apply.
• You joined Medicare Advantage when you first got Part B. If you enroll in Medicare Part B for the first time at 65 or older, join a Medicare Advantage plan for the first time, and disenroll within 12 months, the Alaska guide says you must be allowed to buy any Plan A through N, including high-deductible choices, if you were eligible for Medicare before January 1, 2020.
• Same situation, newer enrollees. For someone in that first-time Medicare Advantage situation who became eligible for Medicare on or after January 1, 2020, the Alaska guide lists Plan A, B, D, G, high-deductible Plan G, K, L, M, or N, from any company selling those plans in Alaska.

Alaska's guide says the first-time Medicare Advantage option does not apply to employer retiree health plans.1

Under federal law, CMS calls this protection a "trial right": a person who joins a Medicare Advantage Plan for the first time can buy a Medigap policy if they return to Original Medicare within 12 months of joining.3 CMS also warns that in most cases, if you drop a Medigap policy to join a Medicare Advantage Plan, you may not be able to get the same policy back.3 The federal rules for moving between the two are laid out in switching between Medicare Advantage and Original Medicare.

How do Alaska's Medigap buying windows compare?

The table below lines up the Alaska guide's windows by deadline, plan choices, and waiting-period treatment.1

How do you buy an Alaska Medigap policy safely?

Alaska's consumer guide tells buyers to use the 30-day free-look period, during which you can decide whether to keep a Medicare supplement policy or end it and still receive a full refund of premiums.1 The Alaska guide says the 30 free-look days start when you have the policy in your hand, and that if you decide not to keep it you return it to the company and request a premium refund in writing.1 CMS adds that when you replace one Medigap policy with another, you'll pay both premiums for the month you have both.1

Three more precautions come straight from Alaska's guide:1

• Check the agent's license. An agent must hold a license issued by the Alaska Division of Insurance to sell insurance in Alaska, and you can verify it through the Division's online Company and Licensee Search.
• Don't pay in cash. Use a traceable form of payment made out to the insurance company only, not the agent.
• Keep your current policy for now. Don't cancel an existing policy until the new insurer has accepted you and you have the new policy in hand.

Federal law backs the refund window too: under Section 1882 of the Social Security Act, at §1882(c)(4), a Medigap policy may be returned for a full refund of premiums paid during a period of at least 30 days after it is issued.4

Switching an Alaska Medigap policy later

Medicare.gov says that under federal rights, in most cases you can't switch Medigap policies outside your six-month open enrollment period unless you have a guaranteed issue right, and that switching outside it may mean paying more and answering medical questions.4 Under §1882(s)(2)(C) of the Social Security Act, a Medigap policy that replaces one in effect for 6 months or longer may not apply a pre-existing condition period or waiting period to similar benefits.4 Medicare.gov also warns that if you drop a Medigap policy, you might not be able to get it or any policy back later.4 Because Medicare.gov's switching answers cover federal rights only, CMS tells readers to call their State Insurance Department or SHIP for state-specific information, which in Alaska means the Division of Insurance or the Medicare Information Office.1

Where can Alaskans get Medigap help?

Alaska's 2026 consumer guide names two state offices for Medicare supplement questions, and Medicare runs a national line.1

• Alaska Medicare Information Office (the state's SHIP): unbiased counseling on Medicare, Medicare supplement plans, and prescription drug plans, run within Senior and Disabilities Services at the state Department of Health. Call 1-800-478-6065, or (907) 269-3680 in Anchorage; TTY 800-770-8973.1
• Alaska Division of Insurance, Consumer Services Section: the office Alaska's guide names for problems with an insurance company that your producer or insurer doesn't resolve. Call 1-800-INSURAK (1-800-467-8725), or (907) 269-7900 in Anchorage.1
• 1-800-MEDICARE (1-800-633-4227): the official Medicare line, where callers can reach a real person 24 hours a day, 7 days a week, except some federal holidays; TTY users call 1-877-486-2048.5

Learn More

Find personalized help timing an Alaska Medicare supplement application at brevy.com.

The information on Brevy.com is for educational purposes only and is not a substitute for professional legal, financial, or medical advice. Rules vary by state and program and change frequently. Always verify with the relevant agency or a qualified professional. Brevy is not a law firm, financial advisor, or healthcare provider.