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What Are the Different Medicare Supplement Plans in 2027? The Lettered Grid With 2027 Dollar Limits

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated November 10, 2026

The different Medicare Supplement plans in 2027 are the ten standardized letters A, B, C, D, F, G, K, L, M and N, plus high-deductible versions of Plans F and G with a $3,050 deductible. Plans C and F, including high-deductible F, are open only to people eligible for Medicare before 2020; everyone else chooses from the remaining letters, with Plan K capped at $8,360 and Plan L at $4,180 in out-of-pocket costs for 2027.

2027 by the Numbers

10

standardized Medigap letters sold in most states

$3,050

2027 deductible for high-deductible Plans F and G (CMS)

$8,360 / $4,180

2027 out-of-pocket limits for Plans K and L (CMS)

Medigap letters have not changed since 2020, when Congress closed Plans C and F to newly eligible people. What does change every year are the dollar amounts tied to several letters, and for 2027 CMS has already published them. A grid that only shows checkmarks leaves out those numbers.

Below is every letter with its 2027 amounts filled in, followed by who can buy what. For the plan most new enrollees choose, see Plan G coverage details.

✔ Licensed in all 50 states
✔ Based on CMS 2027 data
✔ Free plan comparison

Key Highlights

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All ten letters pay Part A hospital coinsurance and an extra 365 days of hospital care.

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High-deductible Plan G has a $3,050 deductible in 2027, up from $2,950 in 2026.

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Plan K’s 2027 out-of-pocket limit is $8,360 and Plan L’s is $4,180.

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Massachusetts, Minnesota and Wisconsin use their own plan designs instead of these letters.

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The Full 2027 Grid, Letter by Letter

Each row is one plan. Yes means the plan pays 100% of that gap; a percentage means it pays that share.

Plan Part A deductible Part B deductible Part B coinsurance Skilled nursing coinsurance Part B excess charges Foreign travel emergency 2027 limit or catch
A No No Yes No No No Core benefits only
B Yes No Yes No No No Adds the Part A deductible
C Yes Yes Yes Yes No 80% Only if eligible before 2020
D Yes No Yes Yes No 80% No excess charge coverage
F Yes Yes Yes Yes Yes 80% Only if eligible before 2020; high-deductible F: $3,050
G Yes No Yes Yes Yes 80% High-deductible G: $3,050
K 50% No 50% 50% No No $8,360 out-of-pocket limit
L 75% No 75% 75% No No $4,180 out-of-pocket limit
M 50% No Yes Yes No 80% Half the Part A deductible
N Yes No Yes, minus copays Yes No 80% Up to $20 office and $50 ER copays

Benefits per Medicare.gov’s standardized plan chart. 2027 dollar amounts per CMS. Foreign travel pays 80% after a $250 yearly deductible, up to a $50,000 lifetime limit.

Shared by all ten: Every letter pays Part A hospital coinsurance plus 365 extra hospital days. Blood (first three pints) and hospice coinsurance are paid in full by every plan except K (50%) and L (75%).

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The 2027 Dollar Figures Attached to the Letters

Amount 2026 2027 Set by
High-deductible Plan F and G deductible $2,950 $3,050 CMS
Plan K out-of-pocket limit $8,000 $8,360 CMS
Plan L out-of-pocket limit $4,000 $4,180 CMS
Part B deductible (the gap in Plans G, D, K, L, M, N) $283 $292 projected Medicare Trustees; CMS confirms

2026 and 2027 amounts from CMS announcements. Plan K and L limits rose 4.5% for 2027.

CMS adjusts the Plan K and L limits each year using its estimates of Medicare per-person costs, so a buyer who chose Plan K for its cap should plan around $8,360, not last year’s $8,000. The Part B deductible sits outside those caps and is paid on top of them.

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Who Can Buy Which Letters in 2027

Eligible for Medicare on or after January 1, 2020

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A, B, D, G, K, L, M, N

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High-deductible Plan G

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No access to C, F or high-deductible F

Eligible before January 1, 2020

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All ten letters, including C and F

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High-deductible F or G

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Can keep a C or F policy already owned

The cutoff turns on when you first became eligible, not when you enrolled. Someone who turned 65 in 2019 but delayed Part B can still buy C or F where insurers sell them. The Plan F versus G choice for that group is covered in Medigap F vs G.

Not Every Letter Is Sold Everywhere

Federal rules require every Medigap insurer to offer Plan A. An insurer that sells other letters must also offer Plan C or F to people eligible before 2020 and Plan D or G to newer enrollees. Beyond that, each company picks its menu.

Practical availability in 2027

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Plans G and N are widely sold and draw most new buyers

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Plans K, L and M appear on fewer insurers’ menus

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High-deductible Plan G is offered by some insurers in some states only

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Plan B is sold but rarely chosen

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Massachusetts, Minnesota and Wisconsin sell state-specific designs instead of the standard letters

Sorting the Letters by How Much Risk You Keep

Another way to read the grid is by the most a policyholder could owe for Medicare-approved care in 2027, setting premiums aside.

Group Letters What you could still owe
Near-zero exposure F (pre-2020), C (pre-2020), G Part B deductible only for G and, with C, possible excess charges
Small known gaps N, D, M Part B deductible, plus N copays or half the Part A deductible under M; excess charges
Capped cost sharing K, L Up to $8,360 (K) or $4,180 (L), plus the Part B deductible, which is paid separately
Deductible first High-deductible F or G Up to $3,050, then the plan pays
Basic coverage A, B Part A deductible under A, Part B deductible, skilled nursing coinsurance, excess charges, no cap

Our grouping. Excess charges apply only when a doctor does not accept Medicare assignment, and some states ban them.

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Matching a Letter to a 2027 Situation

1

Frequent specialist visits or planned surgery Plan G keeps the yearly gap at the Part B deductible.

2

Few doctor visits, want a lower premium Plan N trades small copays for a lower price; see Plan N coverage.

3

Healthy, can set aside $3,050 High-deductible Plan G lowers the premium in exchange for the deductible.

4

Want a cap with lower premiums Plan L or K shares costs but stops at a known 2027 limit.

5

Eligible before 2020 and want no gaps at all Plan F, usually at a higher premium than Plan G.

When to Pick a Letter for 2027

The six-month Medigap open enrollment period starts the month you are 65 or older and enrolled in Part B. During it, insurers must sell you any letter they offer without health questions.

Not tied to the fall window: Medicare’s October 15 to December 7 open enrollment is for Medicare Advantage and Part D. It gives no special right to switch Medigap letters. Timing rules are covered in 2027 Medicare Supplement open enrollment.

Bottom Line

The Bottom Line

In 2027 there are still ten Medigap letters and two high-deductible versions, but the dollar limits attached to them have moved: $3,050 for high-deductible F and G, $8,360 for Plan K and $4,180 for Plan L. Start with the letters you are eligible for, then use those figures to judge how much risk you want to keep.

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Frequently Asked Questions

➤ Which Medigap letters can a person new to Medicare buy in 2027?

Plans A, B, D, G, K, L, M and N, plus high-deductible Plan G. Plans C and F, including high-deductible F, are limited to people eligible before 2020.

➤ What is the 2027 out-of-pocket limit for Plan K?

CMS set it at $8,360 for 2027, up from $8,000 in 2026. Once you reach it and have paid the Part B deductible, Plan K pays 100% of covered services for the rest of the year.

➤ How much did the Plan L cap rise for 2027?

Plan L’s limit rose from $4,000 in 2026 to $4,180 in 2027, according to CMS, an increase of $180.

➤ Did the high-deductible Plan G deductible go up for 2027?

Yes. It rose to $3,050 in 2027 from $2,950 in 2026.

➤ Which plans cover Part B excess charges in 2027?

Only Plans F and G, including their high-deductible versions after the deductible is met. The other letters leave excess charges to you.

➤ Which letters help with emergencies abroad?

Plans C, D, F, G, M and N pay 80% of emergency care outside the U.S. after a $250 deductible, up to $50,000 over your lifetime. Plans A, B, K and L do not.

➤ Is the Part B deductible included in the Plan K and Plan L limits?

No. Medicare.gov explains that Plans K and L pay 100% only after you meet both the yearly out-of-pocket limit and the Part B deductible, so the projected $292 for 2027 is paid in addition to the cap.

➤ Can I change Medigap letters during fall open enrollment?

Not as a right. The fall period covers Medicare Advantage and Part D. Changing letters outside your Medigap open enrollment or a guaranteed-issue situation may require health questions in most states.

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Find & Compare Plans Online

Speak with a licensed insurance agent

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Mon-Fri: 8am-9pm ET

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