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Medicare Supplement Insurance Cost in 2027: The Premium and Everything Around It

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated November 6, 2026

Medicare supplement insurance cost in 2027 is your monthly Medigap premium plus whatever the plan leaves you to pay: the projected $292 Part B deductible on Plan G, that deductible plus copays on Plan N, or up to $3,050 on high-deductible Plan G. On top of that sits the Part B premium, projected at $209.50 a month, which every Medigap buyer still pays.

2027 by the Numbers

$292

projected 2027 Part B deductible (Medicare Trustees; CMS sets final figure)

$209.50

projected 2027 monthly Part B premium (Medicare Trustees)

$3,050

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

$2,323

yearly cost of the average Plan G policy in 2025 (KFF)

Shoppers tend to compare Medigap plans by the monthly premium alone. That number is real, but it is only one line in a year of Medicare spending. A plan with a lower premium can leave more to pay at the doctor’s office, and a plan with a higher one can turn a costly year into a predictable one.

Below, every cost piece is laid out using the 2027 figures known so far, followed by our own worked examples for a light, moderate and heavy year of care. How premiums are priced and raised is covered separately on Medicare supplement insurance rates.

✔ Licensed in all 50 states
✔ Based on CMS 2027 data
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Key Highlights

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Plan G leaves only the Part B deductible in most years.

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Plan N adds visit copays and, in most states, possible excess charges.

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High-deductible G caps Medigap-covered costs at $3,050 in 2027.

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Original Medicare alone has no yearly cap on your share.

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Every Line in a Year of Medigap Costs

Cost piece 2027 amount Plan G Plan N High-deductible G
Part B premium $209.50 a month projected You pay You pay You pay
Medigap premium Set by insurer You pay You pay, usually less than G You pay, usually far less than G
Part B deductible $292 projected You pay You pay Counts toward $3,050
Office and ER copays Up to $20 per office visit, $50 per ER visit None You pay Counts toward $3,050
Part B excess charges Up to 15% over Medicare’s approved amount Covered You pay Covered after deductible
Part A hospital deductible $1,736 in 2026; 2027 not yet set Covered Covered Counts toward $3,050

Part B figures for 2027 are Medicare Trustees projections until CMS announces them. Plan N’s ER copay is waived if you are admitted.

Separate bill: No Medigap plan sold today includes drug coverage. A Part D plan adds its own premium, and 2027 Part D out-of-pocket drug costs are capped at $2,400.

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Our Worked Scenarios: Three Kinds of Years

These scenarios use Medicare-approved amounts and 2027 projected Part B figures. They show only what you pay for care, before any premiums, so they apply whichever insurer you choose.

Out-of-pocket for care No supplement Plan G Plan N High-deductible G
Light year: 4 office visits and lab work, $800 approved $393.60 $292 Up to $372 $393.60
Moderate year: specialists and imaging, $6,000 approved, 8 visits, 1 ER visit $1,433.60 $292 Up to $502 $1,433.60
Heavy year: hospital stay plus $30,000 in Part B care, 12 visits $7,969.60 and no cap $292 Up to $532 $3,050

Our calculations. No supplement = $292 Part B deductible plus 20% coinsurance, plus the 2026 Part A deductible of $1,736 in the heavy year. Assumes all providers accept Medicare assignment.

Plan G’s figure barely moves, which is the point of buying it. High-deductible G tracks Original Medicare until the $3,050 ceiling, then stops. More on that design is on our high-deductible Plan G page.

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Plan N Copays and the Excess-Charge Question

Plan N trades a lower premium for small charges at the point of care. Those charges are predictable; excess charges are the less visible risk.

What Plan N leaves you

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The Part B deductible, $292 projected for 2027

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Up to $20 for some office visits

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Up to $50 for an emergency room visit that does not lead to admission

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Part B excess charges from doctors who do not accept Medicare assignment

A doctor who does not accept assignment may bill up to 15% above Medicare’s approved amount. On a $2,000 approved surgery fee, that could add up to $300. Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island and Vermont are commonly listed as states that bar excess charges, which removes much of this risk there. Compare letters on Medicare Plan G vs Plan N.

How the $3,050 High-Deductible Limit Works

1

You pay Medicare’s gaps first Part A and Part B deductibles, 20% coinsurance and excess charges all come out of pocket at the start of the year.

2

Those payments count toward $3,050 Only costs Plan G would normally cover count. Your premiums do not.

3

The plan then pays in full Once you reach $3,050 in 2027, the policy covers those gaps for the rest of the calendar year.

4

The count restarts January 1 Each new year begins with a fresh deductible.

Cash on hand: A high-deductible plan suits people who could cover a $3,050 bill in one month if a hospital stay came early in the year.

Adding the Premiums: Total Cost of Ownership

To see a full year, add the Part B premium (12 x $209.50 = $2,514 projected) and your Medigap premium. The example below uses KFF’s 2025 national average Plan G premium of $2,323 a year as a stand-in; your own quote replaces it.

Year type Original Medicare only With an average-priced Plan G
Light year $2,907.60 $5,129
Moderate year $3,947.60 $5,129
Heavy year $10,483.60 and rising with more care $5,129

Our calculations: $2,514 projected Part B premium plus out-of-pocket care from the scenario table, plus $2,323 Plan G premium where shown. Excludes Part D and services Medicare does not cover.

For Plan N or high-deductible G, swap in the yearly premium from a real quote and the matching out-of-pocket line above. A cheaper premium wins in light years and gives back ground in heavy ones.

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Costs No Medigap Policy Pays

Budget for these separately

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The Part B premium itself, plus any income-related surcharge

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Prescription drugs, through a Part D plan

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Routine dental, vision and hearing care

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Long-term custodial care in a nursing home or at home

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Care outside the U.S. beyond the limited foreign travel emergency benefit in some plans

Plans K and L also have yearly caps, $8,360 and $4,180 in 2027, but they share costs before reaching them, so they act differently from Plan G.

Ways to Trim the Total

Buy in your window

Your six-month Medigap open enrollment avoids health-based pricing.

Match the plan to use

Frequent specialist visits favor G; few visits can favor N or high-deductible G.

Compare insurers

The same letter is priced very differently from one company to the next.

Check rate history

A low start with steep increases can cost more within a few years.

For the projected 2027 deductible amounts by plan, see Medigap Plan G deductible 2027.

Bottom Line

The Bottom Line

The real Medicare supplement insurance cost is premium plus leftover cost-sharing plus the Part B premium. Plan G keeps the leftover piece near $292, Plan N adds modest copays, and high-deductible G caps it at $3,050, so the right choice depends on how much care you expect and how much risk you can carry.

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Frequently Asked Questions

➤ What will I pay out of pocket with Plan G in 2027?

In most years, only the Part B deductible, projected at $292. Plan G covers the remaining Medicare-approved cost-sharing, including excess charges, for covered services.

➤ Does Plan N ever cost more than Plan G in total?

It can. If you see many doctors who charge copays or bill excess charges, Plan N’s savings on premium may shrink or disappear, so compare your expected visits with the premium difference.

➤ Do my Medigap premiums count toward the high-deductible $3,050?

No. Only the Medicare cost-sharing the plan would normally cover counts toward it, such as deductibles and coinsurance.

➤ Is the 2027 Part B deductible final?

Not yet. The $292 figure is the Medicare Trustees’ projection, and CMS usually announces the final 2027 amount in the fall.

➤ Do I still pay the Part B premium if I have Medigap?

Yes. Medigap is extra coverage you buy alongside Original Medicare, so the Part B premium, projected at $209.50 a month for 2027, still applies.

➤ What is an excess charge?

It is the amount, up to 15% above Medicare’s approved fee, that a doctor who does not accept assignment may bill. Plan G covers it; Plan N does not.

➤ How much can one bad year cost without a supplement?

There is no yearly cap in Original Medicare. In our heavy-year example, a hospital stay plus $30,000 in outpatient care left $7,969.60 to pay before any premiums.

➤ Does a Medigap plan cover my prescriptions?

No plan sold today includes drug coverage. You would add a Part D plan, which has its own premium and a $2,400 out-of-pocket cap in 2027.

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TTY users 711  |  Mon–Fri: 5am–7pm, Sat–Sun: 7am–4pm CT

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Find & Compare Plans Online

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Mon-Fri: 8am-9pm ET

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