The 10 Medigap plans compared

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.

Benefits comparison for 2026

This table shows all 10 standardized Medigap plans. Plans C and F are only available if you were eligible for Medicare before January 1, 2020.

*Plans C and F are not available to people who became eligible for Medicare on or after January 1, 2020. **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. ***Foreign travel emergency: plan pays 80% of emergency care costs outside the U.S. after a $250 annual deductible, up to a $50,000 lifetime maximum. Plans F and G also offer a high-deductible option ($2,950 deductible in 2026). For Plans K and L, after you meet your out-of-pocket limit and Part B deductible ($283), the plan pays 100% for the rest of the year. Source: Medicare.gov, CMS 2026.

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.

Plan M — moderate coverage, lower premium

Plan M covers only 50% of the Part A deductible ($1,736 in 2026) instead of the full amount, which keeps premiums lower. It covers everything else that Plan D covers, including skilled nursing facility coinsurance and foreign travel emergencies. Plan M is less commonly sold but may be a good fit if you want moderate coverage at a lower cost.

Plans K and L — cost-sharing with an annual cap

Plans K and L require you to share costs (50% and 75% respectively) for most benefits, but they cap your total out-of-pocket spending at $8,000 (Plan K) or $4,000 (Plan L) per year in 2026. Once you hit that cap, the plan pays 100% for the rest of the year. These plans have lower premiums but higher exposure until you reach the cap.

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.