2025 vs. 2026: A Year‑Over‑Year Look at Medicare Supplement E‑App Submissions
CSG Actuarial is the industry leading quoting and enrollment tool for Medicare Supplement.
We wanted to look at how enrollment submissions have looked this year compared to last year, especially since more states are coming out with birthday rule policy’s. Below are some of our findings.
Volume is up sharply. Submissions grew from roughly 30% from 2025 to 2026, which matches the overall market growth we are seeing over the past 12 months or so.
Plan F, G, and N: a shifting mix
Plan G remains the volume leader but its share of the pie is shrinking — from about 66% of submissions in 2025 to 54% in 2026, even though raw volume rose modestly (+7%).
Plan F continues to decline, both in count (-9%) and share (9.5% → 6.6%), consistent with its closed status to newly eligible Medicare beneficiaries.
Plan N —More than doubled (+114%) and now accounts for 35% of all submissions, up from 21%. It's clearly absorbing share that used to go to G and F.
Birthday-rule states vs. everyone else
Birthday-rule states made up 45–46% of total submissions in both years — a fairly stable slice of the overall pie.
But growth rates diverged:
Birthday-rule states grew faster: +35% year over year
Non-birthday-rule states grew more slowly: +27%
Plan mix also told a slightly different story between the two groups:
In birthday-rule states, Plan G held share better (57% in 2026 vs. 67% in 2025) than in non-birthday states, where G's share fell further (52% vs. 65%).
Plan F declined less steeply in birthday-rule states (-25% in non-birthday states vs. roughly flat/slightly up in birthday-rule states).
Plan N surge was strong in both groups but especially pronounced in non-birthday states, where it now represents 38% of submissions (vs. 31% in birthday-rule states).
One plausible read: the built-in "open enrollment" opportunity that birthday rules create year-round may be helping keep G and F relatively more competitive there, while non-birthday states are seeing a faster rotation toward N.
Individual state swings
Growth wasn't uniform even among birthday-rule states. Some standouts from 2025 to 2026:
Big gainers: Indiana (+275%), Missouri (+179%), Wyoming (+155%), Utah (+151%), Delaware (+137%)
Notable decliners: Oregon (-91%), Kentucky (-43%), Oklahoma (-18%), Maryland (-18%)
These swings likely reflect a mix of carrier availability, portal/agency activity, and local market dynamics rather than the birthday rule itself — but they're worth watching if any of these states are strategically important.
*Data being used is from the CSG Actuarial Medicare Supplement enrollment platform.