Medigap Plans Comparison Chart 2027: What Each of the 10 Plans Covers, New Limits and Deductibles

Medigap (Medicare Supplement Insurance) pays part of the costs Original Medicare leaves with you, such as deductibles, coinsurance and copayments. Private insurers sell these policies, but federal rules set the benefits for each plan letter. This guide lays out what each plan pays, which 2027 numbers have changed, and how to pick the right plan.

Key Medigap Numbers for 2027: New Limits and Deductibles

• High-deductible Plan F and Plan G: the deductible rises to $3,050, up from $2,950.
• Plan K: the out-of-pocket limit rises to $8,360, up from $8,000.
• Plan L: the out-of-pocket limit rises to $4,180, up from $4,000.
• Plans C and F stay closed to anyone who became eligible for Medicare on or after January 1, 2020.
• New Mexico starts a yearly Medigap switching window on January 1, 2027.
• The 2027 Medicare Part A and Part B premiums and deductibles are not out yet. The government usually releases them in mid-November.

Medigap Plans Comparison Chart 2027: What Each Letter Pays

Each plan letter pays the same benefits no matter which company sells it. A Plan G from one insurer covers exactly what a Plan G from another insurer covers. Price, rating method and customer service are what differ.

A "Yes" means the plan pays 100% of that cost. A percentage means the plan pays that share. "No" means the plan pays nothing toward it.

Three details the chart cannot show:

• Plan N copays. You may pay up to $20 for some office visits and up to $50 for an emergency room visit that does not end in a hospital admission.
• Foreign travel coverage. The plans that include it pay 80% of emergency care that starts during the first 60 days of a trip. You pay a $250 deductible first, and the plan stops at a $50,000 lifetime maximum.
• Massachusetts, Minnesota and Wisconsin. These three states use their own Medigap designs instead of the lettered plans. Your State Health Insurance Assistance Program (SHIP) can show you the chart for your state.

What Changes for Medigap Plans in 2027

1. The High-Deductible Plan Deductible Goes Up

High-deductible Plan F and Plan G charge a much lower monthly premium. In exchange, you pay covered costs yourself until you reach a yearly deductible. For 2027 that deductible is $3,050, a $100 increase. The old high-deductible Plan J, which still covers a small group who bought it years ago, follows the same amount.

This deductible stands apart from the Medicare Part A and Part B deductibles.

2. Plan K and Plan L Limits Rise

Both caps increase for 2027. A Plan K holder now faces $360 more in worst-case cost sharing, and a Plan L holder faces $180 more. The table in the Plan K and Plan L section below shows both figures.

3. Medicare Part A and Part B Numbers Are Still Pending

The government has not yet released the 2027 Part A and Part B figures. The amounts below remain in force until it does.

Treat any 2027 Part B premium you see online before the official release as a projection. The Part B deductible matters to Medigap shoppers because it separates Plan F from Plan G and Plan C from Plan D. Plans F and C pay it, while Plans G and D do not.

The Part A deductible applies per benefit period, not per year. If you enter the hospital twice in one year with more than 60 days between stays, you can owe it twice. That risk explains why many people want a plan that pays the Part A deductible in full.

4. New Mexico Adds a Yearly Switching Window

New Mexico's Senate Bill 21 gives every current Medigap policyholder a yearly window that opens on the first day of their birthday month and lasts at least 60 days. During that window, an insurer cannot deny you, delay coverage or raise your price because of your health, as long as you move to a plan with equal or lesser benefits. The law takes effect January 1, 2027.

California, Oregon, Nevada, Missouri and Idaho already offer a version of this protection, though the details differ. Federal law has no such rule. Outside those states, an insurer can use your health history against you once your first enrollment period ends.

Can You Still Buy Plan F or Plan C in 2027?

Only if you became eligible for Medicare before January 1, 2020. If you already own one of these plans, you can keep it. Congress stopped sales of plans that cover the Part B deductible to newer enrollees, and Plan C and Plan F are the plans that pay it. High-deductible Plan F follows the same rule.

For most people new to Medicare, Plan G is the closest match, because it pays everything Plan F pays except the Part B deductible.

Two other eligibility rules apply to every plan:

• Original Medicare required. You need Part A and Part B. A seller cannot legally give you a Medigap policy while you have a Medicare Advantage plan, unless you are leaving that plan.
• Under 65 with a disability. Federal law does not guarantee you the right to buy Medigap. Many states require insurers to offer at least one plan to people under 65, but those premiums often run much higher than for people who are 65. Check with your state insurance department.

Medigap Plan G vs Plan N: Which Costs Less?

These two plans cover nearly the same services. Plan G pays your Part B coinsurance in full and also covers Part B excess charges. Plan N charges the copays described above and does not cover excess charges. Plan N usually costs less each month.

Whether Plan N saves you money depends on arithmetic. Estimate how many office visits you expect in a year, multiply by the possible copay, and compare the total against the monthly premium gap quoted in your ZIP code. Also ask your doctors whether they accept Medicare assignment. Doctors who do not accept it can bill up to 15% above the Medicare-approved amount, and only Plans F and G cover that extra charge.

High-deductible Plan G offers a third path. It pays like Plan G after you meet the $3,050 deductible, and its premium sits well below the standard plans. It suits people who rarely use care and can absorb a large bill in a bad year.

Medigap Plans K and L: Lower Premiums With a Spending Cap

Plan K and Plan L pay a share of most costs instead of all of them. Plan K pays 50% and Plan L pays 75%. You cover the rest until your spending reaches the yearly limit. After you hit the limit and meet the Part B deductible, the plan pays 100% of covered services for the rest of the calendar year.

No other Medigap plan has a cap, because no other plan leaves you a percentage to pay. These plans fit people who accept some cost sharing in return for a lower premium and a ceiling on the worst year. Not every insurer sells them in every state, so check what your state offers.

How Medigap Works With Original Medicare

Original Medicare covers a lot, but it leaves gaps. You owe a deductible for each hospital benefit period, a Part B deductible each year, and usually 20% of the approved amount for Part B services with no yearly cap. A Medigap policy fills some or all of those gaps.

When you get care, your provider bills Medicare first. Medicare pays its share, and the claim then passes to your Medigap insurer, which pays the share your plan letter requires. This usually happens automatically, so you rarely file a claim yourself.

A Medigap policy follows you to any doctor or hospital in the country that accepts Medicare. You face no network and no referral rules. Once you buy a policy, the insurer cannot cancel it because of your health as long as you pay the premium. Your benefits stay the same each year, but your premium can change.

When to Buy Medigap: Your 6-Month Open Enrollment Period

Your Medigap Open Enrollment Period lasts six months. It starts the first month you are 65 or older and enrolled in Part B. You get this window once, and it never restarts.

During these six months, an insurer must:

• Sell you any Medigap policy it offers in your state.
• Charge you the same price as other people your age who share your risk class, regardless of pre-existing conditions.
• Cover you without delay, except for a pre-existing condition waiting period of up to six months if you had no creditable coverage before.

After the window closes, insurers in most states can ask health questions, charge you more or turn you down. Medicare's fall Annual Enrollment Period, which runs October through December, applies to Medicare Advantage and Part D only. It does not reopen Medigap.

If you delay Part B because you have coverage through a current employer, your Medigap window starts when you finally enroll in Part B.

Guaranteed Issue Rights

Federal law also gives you the right to buy certain Medigap plans without health questions in specific situations. You usually have 63 days after your other coverage ends to act. Examples include:

• Your Medicare Advantage plan leaves your area or stops serving Medicare.
• Your employer or union coverage that pays after Medicare ends.
• Your Medigap insurer goes bankrupt or misleads you.
• You joined Medicare Advantage when you first became eligible and want to return to Original Medicare within a year.

Your state may add more rights. New York and Connecticut, for example, let you buy Medigap year-round.

What Medigap Costs and How Insurers Price Plans

Each insurer sets its own premiums, and each state approves them. The same plan letter can cost very different amounts in one ZIP code. Your age, ZIP code, tobacco use and any household or payment discounts all affect the price.

The pricing method matters as much as the starting price:

A low first-year price on an attained-age policy can cost more over time than a policy that started higher. Ask each insurer for its rate increase history in your state, and remember that no insurer can promise a rate will stay flat.

Each spouse needs a separate policy. Some insurers give a household discount when both spouses buy from them.

How to Choose a Medigap Plan and Compare Prices

1. Choose how much cost you want to carry. Plan G leaves you with the Part B deductible and nothing else on covered services. Plan N adds small office and ER copays. Plan K leaves you 50% of most costs until you hit $8,360.
2. Get quotes for the same letter from several insurers. The benefits match, so price becomes the only difference. Most shoppers skip this step, and it saves the most money.
3. Ask how the insurer sets rates. Use the pricing table above to compare community, issue-age and attained-age policies.
4. Check your state's rules. Birthday windows, under-65 access and extra guaranteed issue rights all vary by state.
5. Use the official tools. Medicare lists the Medigap policies sold in your ZIP code on its Medigap plan finder. Your State Health Insurance Assistance Program offers free, one-on-one counseling that no insurer controls. You can also call 1-800-MEDICARE (1-800-633-4227) any time.
6. Add a Part D plan. Medigap policies sold today do not cover prescription drugs.

Medigap vs Medicare Advantage: Key Differences

You can use one or the other, never both. The two options take opposite approaches to the same problem.

Medigap suits people who want freedom to see any doctor and steady costs, and who can afford a higher premium. Medicare Advantage suits people who want a low premium and extra benefits and who accept a network.

How to Switch From Medicare Advantage to Medigap

Many people consider this move when their Medicare Advantage plan ends. About 3.2 million people in individual Medicare Advantage plans must choose new coverage for 2027 because their plans are closing. Follow these steps in order:

1. Check for a guaranteed issue right. A plan that leaves your area or stops serving Medicare usually gives you one. So does returning to Original Medicare within your first year of Medicare Advantage.
2. Look up your state's rules if you have no such right. A few states add protections, but most let insurers ask health questions.
3. Get approved for Medigap before you leave your current plan. Apply first and wait for the approval. Never cancel your old coverage until the new policy is in force.
4. Enroll in a Part D plan. Medigap does not cover drugs, and your Medicare Advantage plan's drug coverage ends when you leave it.
5. Time your exit. Use the fall Annual Enrollment Period, which runs through December 7, or the Medicare Advantage Open Enrollment Period from January through March.

Turning 65 in 2027: Medigap Timing Checklist

Your Initial Enrollment Period lasts seven months. It covers the three months before your birthday month, the birthday month itself and the three months after. If you enroll in the first three months, your coverage starts on the first day of your birthday month.

Use this checklist:

• Enroll in Part A and Part B, unless you delay Part B because you have qualifying employer coverage.
• Decide between Original Medicare with Medigap and Medicare Advantage.
• Buy Medigap during your six-month Medigap Open Enrollment Period.
• Enroll in a Part D plan, or a Medicare Advantage plan with drug coverage, to avoid a late penalty.
• Ask your State Health Insurance Assistance Program about help with costs if your income and savings are limited.

What Medigap Does Not Cover

No standardized Medigap plan pays for:

• Prescription drugs, which need a separate Part D plan
• Long-term or custodial care at home or in a nursing home
• Routine dental, vision or hearing care, including hearing aids
• Eyeglasses
• Private-duty nursing

Medigap fills gaps in Original Medicare's cost sharing. It adds no benefits that Medicare lacks. Policies sold before 2006 could include drug coverage. If you still hold one, compare it against a current Part D plan before assuming it is better.

Do You Need Part D With Medigap in 2027?

Yes, if you want prescription drug coverage. Buy a standalone Part D plan alongside your Medigap policy. For 2027, the yearly out-of-pocket cap on covered drugs is $2,400, up from $2,100. The base beneficiary premium is $41.33. If you go without creditable drug coverage when you first qualify, you may owe a late enrollment penalty for as long as you have Part D.

Where to Get Free Help Choosing a Plan

Gather your Medicare card, your drug list with doses, your doctors and your preferred pharmacies before you ask for help. Then use any of these free options:

• The Medigap plan finder on Medicare.gov, which lists policies sold in your ZIP code
• 1-800-MEDICARE (1-800-633-4227), open 24 hours a day, seven days a week
• Your State Health Insurance Assistance Program, which gives free, unbiased counseling
• A licensed agent or broker who compares several insurers and charges you nothing

Frequently Asked Questions