Medicare Supplement

Medigap in Connecticut for 2027: 8 Insurers and the Plans They Sell

BRIDGEPORT, Conn. — As Medicare Open Enrollment 2027 approaches, Connecticut residents weighing how to pair Original Medicare with extra coverage have a familiar set of choices on the Medigap shelf. Medicare.gov's Medigap policy search for ZIP code 06604 lists eight insurers selling standardized Medicare Supplement policies, with plan letters that range from the entry-level Plan A to the high-deductible versions of Plans F and G.

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Medigap is a steady, rule-bound corner of the Medicare world. The letters mean the same thing from one company to the next, which makes side-by-side comparison more about price, service and company reputation than about guessing what is covered. Here is what Connecticut shoppers should know for 2027.

What is Medigap and how is it different from Medicare Advantage in Connecticut?

Medigap is private insurance that works alongside Original Medicare (Parts A and B) to help pay cost-sharing like coinsurance and some deductibles. Medicare Advantage, by contrast, replaces the way you get Original Medicare by bundling Parts A and B (and usually Part D) through a private plan with its own network and rules.

You cannot use both at the same time. A Connecticut resident on Original Medicare can add a Medigap policy and a stand-alone Part D plan; a resident on a Medicare Advantage plan generally cannot also use a Medigap policy. Medigap benefits are federally standardized by letter, so Plan G from one insurer covers the same federal benefits as Plan G from another.

Which insurers sell Medigap in Connecticut for 2027, and which plan letters do they offer?

For ZIP code 06604, Medicare.gov's Medigap policy search lists these eight insurers and the plan letters shown for each:

• AARP – UnitedHealthcare Insurance Company: A, B, C, F, G, K, L, N
• Anthem Blue Cross and Blue Shield – Connecticut: A, F, G, N
• Bankers Life (Underwritten by Washington National Insurance Company): A, F, G, G-HD
• ConnectiCare Insurance Company, Inc.: A, B, F, F-HD, G, G-HD, N
• HealthSpring National Health Insurance Company: A, F, G, G-HD, N
• Mutual of Omaha (Omaha Insurance Company): A, F, F-HD, G, G-HD, N
• United American Insurance Company: A, B, C, D, F, F-HD, G, G-HD, K, L, N
• USAA Life Insurance Company: A, F, G, N

Across the eight, the plan letters sold by at least one insurer are A, B, C, D, F, F-HD, G, G-HD, K and L, plus N. One important federal rule: Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020. If you became eligible before that date, you may still be able to apply for them.

What is available can differ by ZIP code and by applicant age, sex and tobacco use. Premiums, benefits beyond the federal standard, and underwriting rules are set by each insurer and are not shown here; confirm them with the Medicare Plan Finder at medicare.gov, by calling 1-800-MEDICARE, or by reading the insurer's own documents.

When is the Medigap Open Enrollment Period in Connecticut, and why does it matter?

The Medigap Open Enrollment Period is a one-time, six-month window that starts the month you are both 65 or older and enrolled in Medicare Part B. During it, you have a federal right to buy any Medigap policy sold in your state from any insurer that sells one, at the best available rate class the company offers for your age, without medical underwriting.

That matters because outside this window, in most situations, insurers in Connecticut can look at your health history and decline you or charge more. Planning the start of Part B with the Medigap purchase in mind avoids that risk.

What happens if my Medicare Advantage plan is leaving Connecticut for 2027?

According to CMS Landscape files, 17 Medicare Advantage plans offered in Connecticut in 2026 will not be offered anywhere in the state in 2027. Members of a plan that is not returning get a federal guaranteed-issue right to buy certain Medigap plans, which means an insurer must sell you one of the specified policies without medical underwriting, within the timeframe Medicare sets.

If you receive a non-renewal notice from your Medicare Advantage plan, keep it; the notice is the documentation insurers ask to see. Medicare.gov describes which Medigap letters qualify under this right and the deadlines that apply.

Does Medigap cover prescription drugs in 2027?

No. Medigap policies sold today do not include Part D prescription drug coverage, so a Connecticut resident who wants help with drug costs chooses a stand-alone Medicare Part D plan separately. The Annual Enrollment Period for 2027 coverage runs October 15 – December 7, 2026, and choices take effect January 1, 2027.

A few national Part D figures are set for 2027: the out-of-pocket cap is $2,400 (up from $2,100 in 2026); the maximum allowed plan deductible is $700; and the base beneficiary premium used in the late-enrollment penalty calculation is $41.33. Individual plan premiums are set plan by plan and can be compared on the Medicare Plan Finder.

How should I compare Medigap policies in Connecticut?

Start by picking the plan letter whose federal benefits fit how you use care, then compare that same letter across insurers. Because the benefits are standardized, differences come down to premium, how the company rates increases over time, customer service and any extra, non-Medigap perks the insurer adds.

Ask each insurer how it prices by age (issue-age, attained-age or community-rated), whether a household or other discount applies, and how to apply during a guaranteed-issue situation. The Medicare Plan Finder at medicare.gov lets you pull up Medigap policies by ZIP code and go directly to insurer contact information.

Where can Connecticut residents get free help with Medicare for 2027?

The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for Social Security benefits payable beginning January 2027, a reminder that several Medicare numbers shift at the start of each year. The 2027 Part B standard premium and deductible and the 2027 IRMAA income brackets have not yet been announced; CMS typically releases them in the fall.

For free, unbiased help, start with Medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week.