Medigap F vs G in 2027: One Benefit Apart, Two Different Groups of Buyers

Standardized Medigap benefits under federal law.

Once a Plan G owner has paid the Part B deductible in a year, the two plans behave identically for the rest of that year. Every doctor, hospital and claim rule is the same.

The Medicare Access and CHIP Reauthorization Act of 2015 barred Medigap plans from paying the Part B deductible for people newly eligible for Medicare starting January 1, 2020. That closed Plans C and F, and the high deductible version of F, to new enrollees.

Being eligible for Plan F does not guarantee acceptance. Outside your open enrollment period or a guaranteed issue situation, an insurer can still review your health.

The value of Plan F is capped at the Part B deductible, so the comparison comes down to whether the extra premium is smaller than that deductible.

Premium averages from KFF’s October 2026 Medigap analysis of current policyholders; calculations are ours. Your own quotes will differ by age, state and insurer.

A common argument is that Plan F prices will rise faster because no new, younger enrollees are joining. KFF’s averages do not show that pattern so far.

KFF, Key Facts About Medigap Enrollment and Premiums, October 2026.

Both plans rose at nearly the same rate over five years, and Plan G actually rose faster from 2024 to 2025, 13% against 8%. Plan F still held about 4.2 million policyholders in 2025, so it is a large block of business. Rate trends at your own insurer matter more than the national story.

Our guide to when you can switch Medicare Supplement plans explains the federal guaranteed issue situations.

Because the Part B deductible counts toward the $3,050 under both plans, the two high deductible versions protect you in almost the same way. See our high deductible Plan G deductible page for the yearly figures.

For more on Plan F itself, our Medigap Plan F guide covers rates and the closed-plan rules.