Your 2026 health insurance deserves a quick checkup.

This is the time to pause and ask:

• What is my health insurance actually going to look like in 2026?

• Are my doctors and hospitals still covered?

• Are my prescriptions still covered the way I expect?

Each year, insurers can change what they cover, what they charge, and which providers are in-network. A plan that worked well in 2025 may quietly become more expensive, more restrictive, or simply not a good fit for the year ahead.

Even with Medicare, healthcare costs can catch many retirees by surprise. That’s why understanding Medigap—also known as Medicare Supplement Insurance—is so important.

Medigap is private insurance that helps pay for healthcare costs not covered by Original Medicare (Parts A & B), such as copayments, coinsurance, and deductibles. It’s designed to “fill the gaps” in your Medicare coverage, so you’re not left footing big bills when you need care most.