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Test your basic knowledge of the "Medigap Trap" in our quick quiz.
By
Donna LeValley
published
18 February 2026
in Features
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Signup + An account already exists for this email address, please log in. Subscribe to our newsletterUnderstanding the Medigap trap is crucial for long-term healthcare planning. In the Medicare Advantage model, you save money when you are healthy, but face a "trap" if you become ill and want to switch to the more predictable original Medicare/Medigap model, only to find you no longer qualify for Medigap coverage due to your health.
For a healthy 65-year-old, Medicare Advantage looks like a win. You save $2,000+ per year in Part D and Medigap premiums and get "free" dental and vision care. However, if you develop a chronic condition, such as cancer or heart disease, at age 72, you may suddenly be drowning in costly copays that add up.
When you try to switch to Medigap to stop those bills, the insurance company "underwrites" you. Because of your diagnosis, they can legally deny your application, leaving you stuck in the higher-cost plan.
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Sign upYou'll want to know those rules as you navigate Medicare. Don't worry if you miss an answer; you can follow the links below the quiz to brush up on your knowledge.
More on Medicare, from the Kiplinger retirement team:
- Watch Out for the ‘Medigap Trap’
- What’s the Best Medigap Plan?
- The Rules for Making a Medigap Switch
- How Medigap Insurance Is Affected by Preexisting Conditions
- 12 FAQs About Medicare: Your Medicare Questions Answered
- 11 Costly Medicare Mistakes You Should Avoid Making
- Can You Sign Up for Medicare While Still on an Employer Health Plan?
- Medicare Open Enrollment Occurs Annually from October to December — Here's What You Need to Know
- Medicare Advantage Open Enrollment Runs from January 1 to March 31
Donna LeValleyRetirement WriterDonna joined Kiplinger as a personal finance writer in 2023. She spent more than a decade as the contributing editor of J.K.Lasser's Your Income Tax Guide and edited state specific legal treatises at ALM Media. She has shared her expertise as a guest on Bloomberg, CNN, Fox, NPR, CNBC and many other media outlets around the nation. She is a graduate of Brooklyn Law School and the University at Buffalo.
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