Do Spouses Share Plans
Medigap is strictly per-person: each spouse needs an individual policy with individual premiums and individual underwriting — there is no family or couple plan in the entire Medigap system.
| Rule | Spouses |
|---|---|
| Policy ownership | One per person, always |
| Premiums | Independently priced (same age = same rate at most carriers) |
| Household discount | 5–12% when both enroll with same carrier |
| Enrollment windows | Independent — each spouse has own OEP |
| Survivor scenarios | Policy continues; some carriers offer survivor discounts |
The household discount is the only coupling
Two policies with the same carrier unlock the household discount (5–12%, carrier-specific) — the one place marriage changes Medigap economics. The discount sizes per carrier are on the carrier board, and the surcharge/discount mechanics are in this rates file.
The age-gap wrinkle
With attained-age pricing, a spouse enrolling five years later enters at today’s prices — often higher than the first spouse’s entry. The model comparison (attained vs issue-age) matters even more for age-gap couples.
FAQ
Can my spouse be on my Medigap plan?
No — each spouse buys separately; use the household discount to save together.
What happens to my spouse’s policy if I die?
Theirs continues unchanged; ask the carrier about survivor programs.
Related reading: FAQ library · Carrier board · Discounts file