The 10 Medigap plans compared
All Medigap plans are standardized — same benefits regardless of which company sells them. Only the price differs.
Which plans are available?
There are currently 8 Medigap plans available to new enrollees in most states: Plans A, B, D, G, K, L, M, and N. Plans C and F are only available if you became eligible for Medicare before January 1, 2020.
Plans C and F: restricted availability
If you turned 65 on or after January 1, 2020, you cannot buy Plan C or Plan F. These plans covered the Part B deductible, which is no longer allowed for new enrollees. Plan G is the closest alternative and covers everything Plan F did except the Part B deductible ($283 in 2026).
Benefits comparison for 2026
| Benefit | G | N | A | B | D | K | L |
|---|---|---|---|---|---|---|---|
| Part A hospital coinsurance | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Part B coinsurance/copay | 100% | 100%* | 100% | 100% | 100% | 50% | 75% |
| Blood (first 3 pints) | 100% | 100% | 100% | 100% | 100% | 50% | 75% |
| Part A hospice coinsurance | 100% | 100% | 100% | 100% | 100% | 50% | 75% |
| Skilled nursing coinsurance | 100% | 100% | — | — | 100% | 50% | 75% |
| Part A deductible ($1,736) | 100% | 100% | — | 100% | 100% | 50% | 75% |
| Part B deductible ($283) | — | — | — | — | — | — | — |
| Part B excess charges | 100% | — | — | — | — | — | — |
| Foreign travel emergency | 80% | 80% | — | — | 80% | — | — |
| Out-of-pocket limit | — | — | — | — | — | $7,060 | $3,520 |
*Plan N pays 100% of Part B coinsurance except up to a $20 copay for some office visits and up to $50 for ER visits that don't result in admission. Plans C and F are omitted as they're not available to new enrollees after 1/1/2020.
Most popular plans
Plan G — most comprehensive
Plan G is the most popular Medigap plan for new enrollees. It covers everything except the annual Part B deductible ($283 in 2026). After you pay that deductible, Plan G covers 100% of your Medicare cost-sharing for the rest of the year. It also covers Part B excess charges and foreign travel emergencies.
Plan N — lower premium, small copays
Plan N has lower monthly premiums than Plan G, but you'll pay a copay of up to $20 for some doctor visits and up to $50 for ER visits that don't result in admission. It does not cover Part B excess charges. Plan N is a good choice if you want lower premiums and don't mind small copays.
High-deductible Plan G
Some states offer a high-deductible version of Plan G with significantly lower premiums. You pay the first $2,950 (in 2026) in Medicare-covered costs before the plan begins to pay. This option works well for people who are generally healthy and want catastrophic protection at a lower monthly cost.
Compare Medigap plan prices
Since all plans with the same letter cover the same benefits, the only difference is what each insurance company charges. Premiums can vary by hundreds of dollars per year for identical coverage — so comparing quotes is essential.
Ready to take the next step?
There are several free ways to get help with your Medicare decisions:
You can also visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227)