Compare Medigap Policies: 2026 Plan-by-Plan Benefits & Costs
By Anthony Orner, Licensed Medicare Insurance Broker
Medigap policies are standardized by letter (A, B, C, D, F, G, K, L, M, N), so every Plan G sold is identical in benefits across carriers — only the premium and company differ. To compare Medigap policies, look at four things: which gaps each letter fills (Part A/B coinsurance, deductibles, excess charges, foreign travel), the monthly premium in your ZIP code, the carrier's rate-increase history, and whether you qualify during your 6-month Medigap Open Enrollment Period or must pass medical underwriting.
Last reviewed: April 2026 · Plan benefits sourced from CMS.gov · 2026 figures from lib/medicare-figures.ts
Start Your Medigap Application →Ready to Compare & Apply?
Get real 2026 rates from the carriers in your area and apply online — under 15 minutes at healthplans.now.
Apply at healthplans.nowOr call 855-559-1700Licensed independent broker
How Medigap Plans Compare in 2026
Because benefits are federally standardized, comparing policies comes down to coverage level and price. Plan G is the most comprehensive plan available to people newly eligible for Medicare — it covers everything except the Part B deductible ($283 in 2026). Plan N trades slightly lower premiums for small copays at office and ER visits and does not cover Part B excess charges. Plan F remains available only to those eligible for Medicare before January 1, 2020.
| Plan | What It Covers | Best For |
|---|---|---|
| Plan GMost Popular | Everything except Part B deductible | Most people — most comprehensive modern option |
| High-Deductible G | Same as Plan G after annual deductible met | Healthy, want lowest premium with catastrophic protection |
| Plan N | Plan G minus Part B excess charges + small copays | Healthy, infrequent visits, want lower premium |
| Plan A | Basic benefits only | Very healthy, minimal utilization |
| Plan K | 50% cost-sharing to annual out-of-pocket max | Budget-conscious, healthy |
| Plan L | 75% cost-sharing to annual out-of-pocket max | Budget-conscious, moderate utilization |
| Plan FPre-2020 only | Everything including Part B deductible | Only available if Medicare-eligible before 1/1/2020 |
Plan G vs. Plan N
- Plan G: Covers Part A deductible ($1,676), Part A/B coinsurance, skilled nursing coinsurance, Part B excess charges, and 80% foreign travel emergency. You pay only the $283 Part B deductible each year.
- Plan N: Covers the same core benefits except Part B excess charges. You pay up to $20 per office visit, up to $50 per ER visit (waived if admitted), and the Part B deductible.
- High-Deductible Plan G: Lower premium; you pay out-of-pocket until a yearly deductible is met, then the plan covers like standard Plan G.
Plans K, L, and M
Plans K and L cap out-of-pocket spending and cover a percentage (50% or 75%) of several benefits rather than 100%. Plan M splits the Part A deductible 50/50 with you. These plans trade lower premiums for more cost-sharing.
What Medigap Costs in 2026
Premiums vary by ZIP code, age, gender, and carrier, but every Medigap enrollee also pays the standard Medicare Part B premium of $202.90/month in 2026. Plan G premiums typically run in the mid-range; Plan N is usually lower; Plan F (for those still eligible) is highest because it also covers the Part B deductible.
Carriers use one of three pricing methods — community-rated, issue-age-rated, or attained-age-rated — so two policies with identical benefits can diverge in price over time. Compare 10-year rate histories when possible.
Apply for Your Medigap Plan →When You Can Enroll or Switch
Your best window is the 6-month Medigap Open Enrollment Period, which starts the month you're 65 or older AND enrolled in Medicare Part B. During this window, carriers cannot deny you coverage or charge more for health conditions.
Outside that window, you generally go through medical underwriting unless you qualify for a federal guaranteed-issue right — for example, losing employer group coverage or moving out of a Medicare Advantage plan's service area. Switching carriers to lower your premium is common, but approval isn't guaranteed once the OEP closes.
Who Is Eligible for Medigap?
You must be enrolled in Medicare Part A and Part B to buy a Medigap policy. Medigap does not work alongside Medicare Advantage — you'd need to disenroll from MA first. Questions on eligibility? Call 855-559-1700 or apply online at healthplans.now.
Switch Carriers in Minutes →Frequently Asked Questions
Disclosure. This page is published by MedicareYourself, a brand of EasyKind Medicare. We are a licensed independent Medicare insurance broker. We do not offer every plan available in your area. Any information we provide is limited to the plans we offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week, to get information on all of your options. Plan availability, benefits, and premiums vary by state and are subject to federal and state regulations.
Medicare has neither reviewed nor endorsed this information. Medicare figures cited on this page: Part B premium $202.90/month, Part B deductible $283, Part A deductible $1,676 (2026).