Healthcare (Medicare)

HB 1754 requires Washington insurers to offer Medicare supplemental insurance (Medigap) without denying coverage or charging more based on health conditions during specific enrollment periods. It directly affects Medicare Part B enrollees in Washington who apply for supplemental insurance during their first six months of Part B coverage or during annual Medicare open enrollment. The bill ensures applicants with at least three months of prior coverage cannot face pre-existing condition exclusions, while those with less coverage have reduced exclusion periods based on their prior coverage duration. This policy change takes effect January 1, 2027, aiming to make supplemental insurance more accessible for seniors.