Medigap 2026

Choosing Medicare coverage for 2027? Read this before you enroll.

You've worked your whole life. Medicare was supposed to be the finish line. So why does it feel like a maze?

Every year, millions of Americans turn 65 and face a decision that will affect their health, their finances, and their freedom for the rest of their lives - with almost no honest guidance on how to make it.

This book changes that.

Medigap 2026: Pay a Premium for a Premium Product is the clearest, most complete guide to Medicare Supplement (Medigap) insurance written for real people - seniors turning 65, families helping a loved one navigate Medicare, and the agents who want to serve their clients with integrity.

A note on the numbers: dollar amounts in this edition reflect 2026 Medicare figures. 2027 figures will be added in an updated edition once Medicare releases them this fall. The rules, plan comparisons, and enrollment strategies inside apply to your 2027 decisions.

Ted Sims has spent 25 years at kitchen tables across America helping seniors choose Medicare coverage. He's made the mistakes, learned the lessons, and now trains agents across the country to do this work the right way. In this book, he shares everything - without a quota attached.

Inside, you'll discover:

• Why Medigap rates keep rising - and the strategies to stay ahead of the increases
• Medigap vs. Medicare Advantage: why the "extra benefits" can come with hidden costs that matter most when you're sickest
• Plan G vs. Plan N vs. High-Deductible Plan G - how to choose using real sample rates and your own situation
• The 10 most common Medicare enrollment mistakes - and exactly how to avoid them
• The gaps Original Medicare leaves that most people never hear about - until they get the bill
• The ancillary plans (cancer, critical illness, short-term care) that complete your protection picture
• State-specific rules: birthday laws, anniversary rules, and guaranteed issue windows that could save you thousands

Here's what "freedom of choice" actually buys you: not just a doctor - the doctor. The specialist other doctors name when they say, "if it were my family, this is who I'd call." With the right coverage, that person is within reach. No network. No referral. No one you've never met deciding who's available to you on the worst day of your life.

This is not a neutral book. Ted believes in Medicare Supplement insurance - and he tells you exactly why, including what he plans to buy for himself when his own Medicare enrollment arrives.

Whether you're 63 and planning ahead, 65 and enrolling now, choosing coverage for 2027, or an agent who wants to do right by your clients - this is the guide you needed someone to write.

Your coverage. Your doctors. Your freedom. Protect it.