Medicare Supplement

Henderson Medigap in 2026: which plan letters you can still buy, and when rates reset

HENDERSON, Nev. — If you are shopping for a Medicare Supplement policy this fall, a few pieces of the Medigap puzzle shift with the calendar year. The plan letters you can buy depend on when you first became eligible for Medicare, the Part B deductible that Plans G and N are built around resets every January, and insurers refile their Nevada rates on a schedule set by the state. Here is what Henderson readers should keep in mind heading into 2026.

What is actually changing for 2026

Medigap policies themselves are standardized by the federal government, so a Plan G sold in Henderson has the same core benefits as a Plan G sold anywhere else in the country. What changes from year to year are three things around the edges:

1. The Part B deductible that Plans G and N are designed around. CMS sets this figure each fall for the following year. Because Plan G pays everything Original Medicare doesn't cover after you meet that deductible, the deductible amount matters when you compare it to a lower-benefit plan like K or L. 2. Insurer rate filings. Carriers must file proposed Medigap premium changes with the Nevada Division of Insurance. Those filings are public. Increases usually take effect on the policy's anniversary or at the start of the calendar year, depending on the insurer. 3. Who is selling in your ZIP code. Insurers can enter or exit the Nevada Medigap market. The current list for Henderson (ZIP codes in the 890-something range) is on medicare.gov.

Plan-letter eligibility: the rule that trips people up

The most misunderstood Medigap rule is which plan letters you are allowed to buy in the first place.

• If you first became eligible for Medicare before January 1, 2020, you can still buy Plans C and F (both cover the Part B deductible), along with the other standardized letters.
• If you first became eligible on or after January 1, 2020, Plans C and F are off the menu. Your choices are Plans A, B, D, G, G-HD, K, L, M and N.

That is why Plan G has become the most talked-about "full-coverage" option for newer enrollees: it looks almost identical to Plan F, minus the Part B deductible. Plan G-HD (high-deductible G) works the same way but with a much higher out-of-pocket amount before benefits begin — the specific dollar figure is set by CMS each year and posted on medicare.gov.

How Nevada rate season works

Nevada insurers do not simply raise Medigap premiums on a whim. They submit a filing to the state, and the Nevada Division of Insurance reviews it. A few things to know as a Henderson shopper:

• Rate changes usually reach policyholders through a written notice ahead of the effective date.
• Two insurers can sell the exact same Plan G — identical benefits — at very different premiums, because pricing is set by each carrier.
• Nevada allows different rating methods (community-rated, issue-age-rated, and attained-age-rated). How your premium changes as you get older depends on which method the insurer used when you bought the policy. Ask before you sign.

To compare current premiums, use the Medicare.gov Medigap policy search by ZIP code or request the Nevada Division of Insurance's Medigap rate guide.

Enrollment timing: when your rights are strongest

Your best window to buy Medigap is your six-month Medigap Open Enrollment Period, which starts the month you are 65 or older and enrolled in Part B. During that window, insurers in Nevada must sell you any policy they offer at their best available rate, regardless of your health.

Outside that window, insurers can generally use medical underwriting — meaning your health history can affect whether you are approved or what you pay. There are a few guaranteed-issue situations (for example, losing certain other coverage), so if your circumstances change mid-year, call Nevada SHIP before you assume you are stuck.

Note: the fall Annual Enrollment Period (Oct. 15 – Dec. 7) and the Medicare Advantage Open Enrollment Period (Jan. 1 – March 31) apply to Part D and Medicare Advantage — not to Medigap. Medigap has its own timing rules.

Where to look up Henderson insurers and current rates

Because the list of insurers selling Medigap policies in Clark County can change, this article does not name specific carriers. Instead:

• Go to medicare.gov and use the Medigap policy search with a Henderson ZIP code. It returns every insurer licensed to sell each plan letter in your area, along with their filed premiums.
• Ask the Nevada Division of Insurance for its most recent Medigap rate comparison guide.
• Call Nevada SHIP (State Health Insurance Assistance Program) for free one-on-one counseling. Counselors do not sell policies.
• Call 1-800-MEDICARE for federal questions.