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Medicare Supplement Insurance 2027

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 8, 2026

Medicare Supplement insurance, or Medigap, is private coverage that pays some or all of the deductibles and coinsurance Original Medicare leaves behind, so your costs are more predictable and you can see any provider that accepts Medicare.

Benefits are standardized by plan letter, so the same letter pays the same benefits from every insurer. For 2027 the High-Deductible Plan G and F deductible is $3,050.

See Medicare Supplement plans 2027 and compare Medicare Supplement plans.

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

Key Highlights

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Fills Original Medicare gaps.

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Any provider that accepts Medicare.

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Standardized by letter.

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HDG deductible $3,050.

Compare plans and enroll online

Medigap for 2027

$3,050

High-Deductible Plan G and F deductible for 2027, from $2,950.

6 Months

Medigap Open Enrollment Period with no medical underwriting.

10 Letters

Standardized plans A, B, C, D, F, G, K, L, M and N.

What Medigap Pays

Original Medicare leaves you the Part A deductible ($1,736 per benefit period in 2026), the Part B deductible ($283 in 2026), 20% Part B coinsurance with no yearly cap and other cost-sharing. Depending on the letter, Medigap pays much or all of it.

Plan G Pays For

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Part A deductible and hospital coinsurance

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Part B coinsurance and excess charges

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Skilled nursing facility coinsurance

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Foreign travel emergency care (up to plan limits)

How Medicare works

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Benefit Chart by Plan

Plan Part A Deductible Part B Deductible Part B Excess SNF Coinsurance Foreign Travel
A No No No No No
B Yes No No No No
C* Yes Yes No Yes Yes
D Yes No No Yes Yes
F* Yes Yes Yes Yes Yes
G Yes No Yes Yes Yes
K 50% No No 50% No
L 75% No No 75% No
M 50% No No Yes Yes
N Yes No No Yes Yes

*Plans C and F are only available to people eligible for Medicare before January 1, 2020. All plans cover Part A coinsurance and hospital costs. Foreign travel coverage is up to plan limits. Plan N has some copays. Massachusetts, Minnesota and Wisconsin differ.

How Premiums Are Priced

Pricing Method How It Works Over Time
Community-rated Everyone pays the same regardless of age Rises with costs, not your age
Issue-age-rated Based on your age when you buy Does not rise because you age
Attained-age-rated Based on your current age Rises as you age

What Medigap Does Not Cover

Not Covered

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Prescription drugs (add Part D)

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Routine dental and vision

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Hearing aids

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Long-term custodial care

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Medicare Advantage costs

Medicare supplement plans 2027

The Most Popular Plans

Plan What You Pay Best For
Plan G The Part B deductible; after that, Medicare-approved costs are covered Most complete coverage for new enrollees
Plan N Part B deductible, copays up to $20 for some office visits and up to $50 for some ER visits, and Part B excess charges Lower premium, accepts small copays
High-Deductible Plan G A yearly deductible, then coverage like Plan G Healthy people who want the lowest premium

Medigap benefits are standardized by plan letter. Prices vary by insurer, age, ZIP code and tobacco use.

When to Buy

Watch for: outside your six-month Medigap Open Enrollment Period or a guaranteed issue right, most states let insurers ask health questions and decline you or charge more.

Guaranteed issue: if your Medicare Advantage plan leaves your area, you generally can buy certain Medicare Supplement plans without health questions, until 63 days after your coverage ends.

Help Paying Medicare Costs

If your income and savings are limited, two programs can cut your Medicare costs sharply:

Medicare Savings Programs

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Run by your state Medicaid office

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Can pay your Part B premium, and sometimes deductibles and coinsurance

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Income and asset limits vary by state

Extra Help (Part D)

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Run by Social Security

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Lowers Part D premiums, deductibles and copays

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People in a Medicare Savings Program qualify automatically

Those who are eligible for Medicare along with full Medicaid might also have the option of enrolling in a Dual Special Needs Plan. Learn more about help for low-income Part D beneficiaries.

What Original Medicare Leaves You to Pay

A Medicare Supplement plan is built to cover the gaps in Original Medicare. These are the costs it can pick up:

Original Medicare Gap What It Means for You Covered By
Part A deductible A deductible for each hospital benefit period, not once a year. It was $1,736 in 2026. Plans B, C, D, F, G and N in full; K, L and M in part
Part A hospital coinsurance Daily charges after day 60 of a hospital stay, rising after day 90 All 10 plans, plus 365 extra hospital days
Part B deductible A yearly deductible before Part B pays. It was $283 in 2026. Only Plans C and F
Part B coinsurance Usually 20% of the approved amount, with no yearly cap All plans (K and L in part, N with copays)
Part B excess charges Up to 15% above the approved amount from doctors who do not take assignment Plans F and G
Skilled nursing coinsurance Daily charges from day 21 to day 100 of a covered stay Plans C, D, F, G, M and N (K and L in part)
Emergency care abroad Original Medicare generally does not cover care outside the U.S. Plans C, D, F, G, M and N, up to plan limits

No cap without a supplement: Original Medicare has no out-of-pocket maximum. Without a Medigap plan or other coverage, there is no limit to the 20% you can owe on Part B services.

All 10 Medigap Plans Compared

Federal law sets exactly what each plan letter covers, so the same letter has the same benefits from every insurer in your state.

Benefit A B C* D F* G K L M N
Part A coinsurance and hospital costs up to 365 extra days Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes***
First 3 pints of blood Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Part A hospice coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled nursing facility coinsurance No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess charges No No No No Yes Yes No No No No
Foreign travel emergency (up to plan limits) No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit None None None None None None Yes** Yes** None None

*Plans C and F can only be bought by people who were eligible for Medicare before January 1, 2020. **Plans K and L have a yearly out-of-pocket limit that Medicare sets each year; after you reach it, the plan pays 100% of covered services for the rest of the year. ***Plan N pays all Part B coinsurance except copays of up to $20 for some office visits and up to $50 for emergency room visits that do not lead to an inpatient admission. Massachusetts, Minnesota and Wisconsin standardize their plans differently.

Getting Help

You do not have to compare plans alone, and you should not have to pay for help. These are the free options:

Free Help Comparing Plans

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Medicare Plan Finder on Medicare.gov, available any time

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1-800-MEDICARE (1-800-633-4227), available 24 hours a day, seven days a week

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Your State Health Insurance Assistance Program (SHIP), which offers free, unbiased counseling

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A licensed insurance agent or broker, who can compare plans from several insurers at no cost to you

Before any call, have your Medicare card, your list of drugs and doses, your doctors and your preferred pharmacies ready. It turns a long conversation into a short one.

Bottom Line

The Bottom Line

Medigap gives predictable costs and provider freedom; buy during your Medigap Open Enrollment Period if you can.

Compare plans and enroll online

Frequently Asked Questions

➤ What is Medicare Supplement insurance?

Medicare Supplement insurance, also called Medigap, is private coverage that helps pay deductibles, coinsurance and other costs Original Medicare does not pay. It works with any doctor or hospital in the U.S. that accepts Medicare.

➤ What Medigap plans are available in 2027?

Insurers sell standardized plans A, B, C, D, F, G, K, L, M and N, plus high-deductible Plan G and Plan F. Plans C and F are only for people first eligible before January 1, 2020, and not every insurer sells every plan.

➤ What is the High-Deductible Plan G deductible for 2027?

The 2027 deductible for High-Deductible Plan G and F is $3,050, up from $2,950 in 2026. After you meet it, the plan pays like regular Plan G or F, and premiums are usually much lower.

➤ Does Medigap cover prescription drugs?

No, Medigap does not include Part D drug coverage, so you add a standalone Part D plan. For 2027 the maximum Part D deductible is $700 and the out-of-pocket cap on covered drugs is $2,400.

➤ Can insurers turn me down for Medigap?

Not during your six-month Medigap Open Enrollment Period or a guaranteed issue window. Outside those times, insurers in most states can use health questions and may decline you or charge more. Timing your purchase matters a great deal.

➤ How are Medigap premiums priced?

Insurers use community-rated, issue-age-rated or attained-age-rated pricing. The method affects how your premium changes as you age, so ask each insurer which one it uses before comparing prices. A low starting price can rise faster under attained-age pricing.

➤ Can I use Medigap with Medicare Advantage?

No, Medigap only works with Original Medicare. If you are in Medicare Advantage, a Medigap policy cannot pay your plan’s costs, and insurers cannot sell you one unless you are returning to Original Medicare. Choose one path.

➤ Which Medigap plan is most popular for new enrollees?

Plan G is a common choice for new enrollees because it covers everything Plan F does except the Part B deductible. Plan N and High-Deductible Plan G are popular for people who want lower premiums.

➤ Does Medigap cover care outside the U.S.?

Plans C, D, F, G, M and N cover 80% of foreign travel emergency care after a $250 deductible, up to $50,000 in your lifetime. Original Medicare generally does not cover care outside the U.S.

➤ Are Medigap rules different in some states?

Yes, Massachusetts, Minnesota and Wisconsin use their own standardized designs, and some states give extra switching rights. Check your state’s rules or ask your State Health Insurance Assistance Program before you buy or switch. Rules can change.

Have Questions?

Speak with a licensed insurance agent

1-855-398-0716

TTY users 711

Mon-Fri: 8am-9pm ET

Find & Compare Plans Online

Speak with a licensed insurance agent

1-855-398-0716TTY 711

Mon-Fri: 8am-9pm ET

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