State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
In California, an insurer that sells Medicare supplement (Medigap) insurance must offer which plans?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
California law (CIC Sections 10192.8 and 10192.10) requires Medigap insurers to offer Plan A and either Plan C or Plan F. This guarantees that consumers can always buy the core plan and at least one widely used option. Insurers may offer additional standardized plans, but the Plan A plus C-or-F offering is the statutory floor. The exam tests this mandatory-offering rule.
Why the other options are wrong
- B) Insurers must offer Plan A plus C or F; they are not limited to a single most expensive plan.
- C) Insurers need not offer every plan A-N; the law requires Plan A and either C or F.
- D) Plan D and G alone would not satisfy the requirement to offer Plan A and either C or F.
Memory hook
The Medigap floor in California: Plan A in the lobby, and either C or F on the menu.