Med Supp Is Evolving in Texas and Minnesota

If you’re working in the Medicare market, now’s the time to stay sharp.

Two newly passed state laws—one in Texas and another in Minnesota—are introducing changes that will impact how Medicare Supplement (Med Supp) plans operate in those states. While these shifts aim to expand access, they also signal a broader trend: states are beginning to reshape how Med Supp functions at a local level.

As agents, staying informed and prepared is key. With the right insight and support, you can guide your clients confidently.

✅ What’s Changing?

Texas (House Bill 2516) – Effective September 1, 2025

This new law expands Med Supp access for people under 65 with End-Stage Renal Disease (ESRD) or ALS. Key points include:

• Plans A, B, or D must be offered at the same rate as a 65-year-old

• Other plans are capped at no more than 200% of the 65-year-old rate

• A one-time open enrollment window begins December 1, 2025, with no underwriting or waiting periods

Minnesota (House Bill 4) – Effective August 1, 2026

Minnesota is creating a new guaranteed issue window for Medicare beneficiaries aged 65–70 who missed their original Med Supp enrollment:

• They’ll be able to enroll during Medicare’s Annual Enrollment Period (Oct 15–Dec 7)

• A 15% rate increase applies in 2026, increasing to 35% by 2029—but it ensures permanent access without health questions

• New requirements ensure clear disclosure of pre-existing condition limits and replacement rules

📣 Why This Matters

Med Supp plans remain one of the most stable and trusted products in the senior health market. And federal standardization is still the backbone of that trust.

But as states explore new ways to expand access, it’s more important than ever to:

• Understand the evolving rules

• Communicate clearly with your clients

• Be ready with the right plan recommendations

• Stay connected to partners who keep you informed and supported

👥 Partnering for Success

At PSM Brokerage, we’re here to help you navigate change with confidence. We’ll keep you updated on emerging legislation, support your understanding of plan availability, and provide tools to help you serve clients across all segments of the Medicare population.

Whether it’s understanding how these state changes impact underwriting, or preparing for new enrollment windows, you don’t have to go it alone.

📞 Let’s Stay Ahead—Together

Schedule a call with PSM Brokerage to talk about these upcoming changes and how we can help you stay compliant, competitive, and client-ready.

📲 Call us at (800) 998-7715 or click here to connect