Originally Posted by Ralph_Kirk

First things first. First, they have to demonstrate that minors have the right to make their own sexual decisions, such as determining their own sexual orientation or gender at very young ages. If a child has the right to make that decision, then it can follow that the child has the right to pursue that decision.

Originally Posted by Ariadne22

The 12/15 date for you, and any Medigap holder, is meaningless.

Open Enrollment ONLY applies to Advantage and Part D plans, otherwise known as "health plans."

You have a Medigap, which in NYS is guaranteed-issue year-round, which means you can buy/switch policies at any time without health underwriting.

https://www.medicareresources.org/states/

Consider a high-deductible Medigap. After payment of $226 Part B deductible