As the law stands now, Medigap providers aren’t required to offer Medigap plans to beneficiaries under the age of 65, even if they are allowed to enroll early for other reasons (like having a serious illness such as ESRD).It’s unclear whether the law would need to be changed in order to prompt Medigap providers to include younger beneficiaries, or whether the cost reduction measures would make Medigap plans moot for that narrow age group.