KFF analysis found that 74% of full-year 2023 Medicare Advantage enrollees, equal to 20.9 million people, had a pre-existing medical condition that could result in denial of a Medigap policy outside guaranteed issue periods.^[1] Federal law provides a six-month open enrollment period beginning the first month a beneficiary enrolls in Medicare Part B. During this window, insurers cannot deny a policy based on age, gender, or health status.^[2] As of 2024, 12.9 million or 46% of traditional Medicare beneficiaries in the United States held a Medigap policy.^[3] The share of Medicare Advantage enrollees with a deniable pre-existing condition ranges from 59% in Alaska to 82% in Florida across United States states.^[4] 25% of Medicare Advantage enrollees have peripheral vascular disease, 24% have chronic kidney disease, 21% have coronary artery disease, and 21% have diabetes with complications. All of these conditions can trigger Medigap denial.^[5] Among Medicare Advantage enrollees aged 65 and older, 88% of enrollees aged 85 or older have a medical condition that could trigger a Medigap denial.^[6] Thirty-eight states require insurance companies to offer at least one kind of Medigap policy to Medicare beneficiaries under age 65 with disabilities during an initial open enrollment period.^[7] U.S. CMS implemented six-month national moratoria on new Medicare hospice and home health enrollment, scheduled to expire 2024-11-13.^[8]