In 2021, Illinois enacted legislation that created a new Medicare Supplement Annual Open Enrollment Period (effective as of 2022). The annual enrollment opportunity is fairly limited, but it does still go beyond federal rules. Under the new Illinois law, Medigap enrollees between the ages of 65 and 75 have an annual window during which they can switch to a different Medigap plan, offered by their current Medigap insurer, as long as the plan offers equal or lesser benefits (so a person could switch from Plan F to Plan G, but not from Plan A to Plan G, for example). The window starts on the beneficiary’s birthday, and lasts for 45 days.
Additional legislation is under consideration in 2023 that would slightly expand the current birthday rule, allowing people to pick a plan with equal or lesser benefits from the same insurer or “any affiliate authorized to transact business” in Illinois. That would still be quite limited, but would allow access to a plan offered by an affiliate the person’s current insurer, rather than just the current insurer.