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Under current Utah law, Medicare supplement insurance — sometimes called "Medigap," which helps cover costs that regular Medicare doesn't pay — has generally been available only to people 65 and older. This bill requires insurance companies in Utah to allow people under 65 who qualify 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. Insurers must charge these younger enrollees the same premium rates as 65-year-olds and cannot deny coverage, impose higher prices, or exclude benefits based on the applicant's health status or preexisting conditions.