Compare plans today.


Can spouses share the same Medicare Supplement policy?

Christian Worstell

by Christian Worstell | Published October 24, 2023 | Reviewed by John Krahnert

You cannot be on the same Medicare Supplement insurance policy as your husband or wife; you must have separate policies. However, you and your spouse may be able to get a discount if you both buy individual policies from the same insurance company.

Individual coverage

Medicare Supplement Insurance (also called Medigap) is an individualized type of insurance. Unlike group health insurance plans that cover multiple people at a time, a Medigap policy covers only one person.

Your Medigap policy will not cover any of your spouse’s health care costs, according to the Centers for Medicare & Medicaid Services (CMS). When you buy a Medicare Supplement insurance policy, you should do so during your personal Medigap open enrollment period. The open enrollment period is a 6-month period that begins the day you are both:

  • 65 years old
  • Enrolled in Medicare Part B

Compare Medigap plans in your area.

Find a plan

Or call now to speak with a licensed insurance agent:


Spousal discount

Although you cannot share a Medigap policy with your spouse, you might be able to get a small discount for buying your policies from the same company. The discount, often called a “spousal discount” or “marital discount,” can slightly reduce the overall premium for both partners.

The actual discount amount will vary depending on the insurance provider. Insurance companies are not legally required to offer a spousal discount. Although Medigap plan benefits are standardized, incentives such as premium costs and discounts are optional.

Spousal discounts are merely offered as an incentive to choose one insurance provider over the next.

Medicare & spousal coverage

Unlike Medigap policies, Original Medicare (Medicare Part A and Part B) does cover both spouses in certain situations.

Medicare covers both husband and wife if both qualify for Medicare based on their age (at least 65 years old) or because they have a qualifying disability or condition and if at least one spouse met the program’s employment requirements. Medicare offers premium-free Part A coverage as long as you or your spouse has worked and paid Medicare taxes for 40 quarters (10 years).

Compare Medigap plans in your area.

Find a plan

Or call now to speak with a licensed insurance agent:


Resource Center

Medicare Preventive Benefits

As a Medicare beneficiary, you may be eligible for a range of preventive health services. Medicare Part B (Medical Insurance) provides coverage for the following. Read more
Email newsletter

Get a Free Medicare Guide!

Enter your email address and get a free guide to Medicare and Medicare Supplement Insurance, as well as important Medicare news and tips. We promise to never send you spam – just helpful content!

By clicking "Get your guide" you are agreeing to receive emails from

We've been helping people find their perfect Medicare plan for over 11 years.

Ready to find your plan?

Or chat about my options with an agent