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Medicare supplement insurance, often called "Medigap," currently helps cover costs that regular Medicare doesn't pay, but Utah insurance companies have generally only been required to offer these plans to people 65 and older. This bill would require insurers in Utah to allow people under 65 who become eligible for Medicare due to a disability or end-stage renal disease to enroll in a Medicare supplement plan, as long as they apply within 180 days of enrolling in Medicare, and insurers would have to charge these younger enrollees the same premium rates charged to 65-year-olds while being barred from denying coverage, charging more, or excluding benefits based on health status or preexisting conditions. The bill also creates a one-time enrollment window—running from June 1, 2026 through December 1, 2026 (or for six months starting whenever an application becomes available, if later)—during which people already under 65 and enrolled in Medicare Part B due to disability or end-stage renal disease can sign up for a supplement plan under these same protections. The insurance commissioner would be authorized to write rules to carry out these new requirements.