Learn
Medigap Plans 2026: Comparing Plans G, N and F
Medicare Supplement (Medigap) plans are standardized by the federal government, so a Plan G from one insurance company has the same core benefits as a Plan G from another. What differs is the monthly premium, how the company prices over time, and customer service. Here is how the most common plans compare in 2026.
Comparing Medigap Plans G, N and F for 2026
| Benefit | Plan G | Plan N | Plan F* |
|---|---|---|---|
| Part A coinsurance and hospital costs (up to 365 extra days) | 100% | 100% | 100% |
| Part A deductible ($1,736 in 2026) | 100% | 100% | 100% |
| Part B coinsurance or copayment | 100% | 100%, except up to $20 for some office visits and up to $50 for ER visits that do not lead to admission | 100% |
| Part B deductible ($283 in 2026) | No | No | 100% |
| Part B excess charges | 100% | No | 100% |
| Skilled nursing facility coinsurance | 100% | 100% | 100% |
| Hospice coinsurance, first 3 pints of blood | 100% | 100% | 100% |
| Foreign travel emergency (up to plan limits) | 80% | 80% | 80% |
*Plan F (and Plan C) can only be bought by people who were eligible for Medicare before January 1, 2020.
Plan G
Plan G covers all the gaps in Original Medicare except the Part B deductible ($283 in 2026). After you meet that deductible, Plan G pays the rest of your share for Medicare-approved services, including Part B excess charges. Many people new to Medicare look at Plan G because it is the most complete plan they can buy.
High-deductible Plan G
High-deductible Plan G has the same benefits as Plan G after you pay a yearly deductible of $2,950 in 2026. Premiums are usually lower. Your Part B deductible counts toward the $2,950.
Plan N
Plan N usually has a lower premium than Plan G in exchange for some cost sharing: the Part B deductible, copays of up to $20 for some office visits and up to $50 for emergency room visits that do not result in admission, and Part B excess charges if a doctor does not accept Medicare assignment. See Plan G vs Plan N.
Plan F
Plan F also covers the Part B deductible, but it is only available to people who were eligible for Medicare before January 1, 2020. If you already have Plan F, you can generally keep it.
Plans K and L: built-in out-of-pocket limits
Plans K and L pay a share (50% or 75%) of many costs and have yearly out-of-pocket limits: $8,000 for Plan K and $4,000 for Plan L in 2026.
When to buy a Medigap plan
Your 6-month Medigap Open Enrollment Period starts the first month you have Part B and are 65 or older. During it, insurers cannot deny you or charge more for health reasons. Medigap plans do not include drug coverage, so most people also add a Part D plan. Read Medicare and pre-existing conditions.
How premiums are priced
Insurers price Medigap policies in one of three ways: community-rated (same price regardless of age), issue-age-rated (based on your age when you buy) or attained-age-rated (rises as you age). Premiums for the same plan letter can vary a lot between companies, so compare quotes.
Plan benefits: Medicare.gov: Compare Medigap plan benefits. High-deductible amount: CMS: F, G & J deductible announcement.
Frequently asked questions
Which Medigap plan is right for me?
It depends on your budget and how much cost sharing you are comfortable with. Plan G covers everything except the Part B deductible, while Plan N usually costs less per month but has some copays. A licensed agent can compare premiums for both.
What does Medigap Plan G not cover?
Plan G does not cover the Part B deductible, which is $283 in 2026. Like all Medigap plans, it also does not cover prescription drugs, routine dental, vision or hearing.
Can I still buy Medigap Plan F in 2026?
Only if you were eligible for Medicare before January 1, 2020. People new to Medicare after that date can buy Plan G instead.
What is the high-deductible Plan G deductible for 2026?
The 2026 deductible for high-deductible Plan G is $2,950. After you pay it, the plan pays like regular Plan G for the rest of the year.
Are Medigap plans the same from every company?
Yes, the benefits for each plan letter are standardized. Premiums and service vary by company.
Talk with a licensed agent
Questions about your Medicare options? Call 1-844-438-6284 (TTY 711) or request a free, no-obligation quote. We do not offer every plan available in your area.
Sources for 2026 figures: CMS 2026 Medicare Parts A & B Premiums and Deductibles; Medicare.gov: Medicare costs; Medicare.gov: Part D costs. For information on all of your options, contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048).