Holy shit. Be prepared for the consumer to get screwed on your healthcare advantage programs.

[Ms. Toad]

197. There are no pre-existing conditions for a Medigap plan.

The way Medigap plans work is that what they pay is specified by law based on the plan letter (For example, Plan G covers 100% of everything Medicare covers at 80%, except for an annual deductible - no matter which insurance company you buy it from).

If they decide you have too many pre-existing conditions, they just won't offer you a plan - since they don't have to. But if they offer you one, you are entitled to the exact same coverage as if you bought it at 65. A good broker might be able to tell you which carriers are easier to get into after age 65 and/or charge lower rates in that circumstances. Make sure you find one that works with lots of insurance companies so you aren't stuck with whatever they sell. I don't have connections in Minnesota.