State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
In California, during the Medigap open enrollment period, which begins when an individual age 65 or older is enrolled in Medicare Part B, insurers:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
California law (CIC Section 10192.11) and federal Medigap standards guarantee that during the Medigap open enrollment period — a six-month window starting when a person age 65 or older is enrolled in Part B — insurers must issue a Medigap policy to the applicant without medical underwriting and without charging more because of health conditions. Missing this window can mean losing the right to buy a policy or becoming subject to underwriting.
Why the other options are wrong
- B) Denying applicants for health reasons during open enrollment is prohibited; that protection is the point of the period.
- C) During open enrollment, premiums cannot be increased because of health status.
- D) Insurers that sell Medigap in the state must offer policies and are subject to the open enrollment rules.
Memory hook
Medigap open enrollment: 65 plus Part B, and health history cannot be held against you.