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Medicare Supplement Plans Costs 2027: The Deductibles, Limits and Gaps Each Plan Leaves

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated November 1, 2026

Medicare supplement plans costs in 2027 come from two places: your monthly premium, and the cost sharing your plan letter leaves behind, which ranges from a projected $292 Part B deductible under Plan G to as much as $8,360 under Plan K. CMS has already set the 2027 high-deductible amount at $3,050 and the Plan K and L limits at $8,360 and $4,180.

2027 by the Numbers

$3,050

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

$8,360

2027 out-of-pocket limit for Plan K (CMS)

$4,180

2027 out-of-pocket limit for Plan L (CMS)

$292

projected 2027 Part B deductible (Medicare Trustees; CMS confirms in November)

A Medigap premium is the number most people shop on, but it is only half the bill. Each plan letter fills a different set of Original Medicare gaps, and the size of those gaps is reset every year. For 2027, some of those dollar amounts are already final and others are still projections.

This page lists the 2027 figures that are set, flags the ones still waiting on CMS, and shows our own math on what you would still owe under each plan letter in a sample year. For a primer on what every letter covers, start with our overview of Medicare Supplement plans.

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

Key Highlights

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High-deductible F and G rise to $3,050 for 2027, up from $2,870 in 2026.

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Plan K’s limit rises to $8,360 and Plan L’s to $4,180.

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The 2027 Part B premium is projected at $209.50 and the deductible at $292 until CMS announces final amounts.

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The 2027 Part A deductible has not been announced; the 2026 amount is $1,736.

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Which 2027 Numbers Are Final and Which Are Still Projected

CMS publishes Medigap figures and Original Medicare figures on different schedules. The Medigap amounts tied to inflation formulas come out first. Part A and Part B amounts usually follow in November.

Figure 2026 2027 Status
High-deductible F and G deductible $2,870 $3,050 Final (CMS)
Plan K out-of-pocket limit $7,220 $8,360 Final (CMS)
Plan L out-of-pocket limit $3,610 $4,180 Final (CMS)
Part B standard premium $202.90/month $209.50/month Projected (Trustees Report)
Part B deductible $283 $292 Projected (Trustees Report)
Part A hospital deductible $1,736 Not yet announced Expected from CMS in the fall

2027 Part A and Part B amounts can differ from projections. CMS normally announces them in November.

Watch for: If CMS sets the 2027 Part B deductible above or below $292, the amount Plan G and Plan N members pay first will change by the same amount.

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What You Still Pay Under Each Plan Letter in 2027

The table below lists the Original Medicare cost sharing each plan leaves for you to pay. Plans F and C are shown only for people who were eligible for Medicare before January 1, 2020.

Plan Costs you still pay in 2027
Plan G Part B deductible (projected $292); excess charges are covered
Plan N Part B deductible, up to $20 per office visit, up to $50 per ER visit that does not lead to admission, and Part B excess charges
High-deductible G All Medicare cost sharing until you reach $3,050, then the plan pays like Plan G
Plan K 50% of most cost sharing plus the Part B deductible, capped at $8,360
Plan L 25% of most cost sharing plus the Part B deductible, capped at $4,180
Plan A Part A deductible, Part B deductible, skilled nursing coinsurance and excess charges
Plan F (pre-2020 eligibility) Nothing for Medicare-approved services; high-deductible F works like high-deductible G

Plan rules are federal and standardized in 47 states. Massachusetts, Minnesota and Wisconsin use their own plan designs.

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Our Math: One Sample Year Under Seven Plans

To show how the gaps add up, we priced one illustrative year: one hospital admission plus $2,000 of Medicare-approved Part B services from doctors who accept assignment. We used the 2026 Part A deductible of $1,736 because the 2027 amount is not out yet, and the projected 2027 Part B deductible of $292. Premiums are not included.

Coverage Hospital deductible share Part B deductible Part B coinsurance share Your total
Original Medicare only $1,736 $292 $341.60 $2,369.60
Plan A $1,736 $292 $0 $2,028.00
Plan K $868 $292 $170.80 $1,330.80
Plan L $434 $292 $85.40 $811.40
High-deductible G All cost sharing, under $3,050 $2,369.60
Plan N $0 $292 $0 plus office copays $292 plus copays
Plan G $0 $292 $0 $292.00

Our own illustrative math, not a quote. Part B coinsurance is 20% of the $1,708 left after the deductible. Real costs depend on your care and the final 2027 Medicare amounts.

Reading the result: In this sample year, high-deductible G leaves the same bill as having no supplement at all, because total cost sharing never reached $3,050. In a year with a longer stay or more outpatient care, its cap would start to matter.

How Insurers Set 2027 Premiums

Two people can buy the same plan letter and pay very different premiums. The biggest structural reason is the rating method the insurer files with your state.

Community-rated

Same price for every age; changes come from inflation and claims

Issue-age

Price set by your age when you buy; does not rise because you get older

Attained-age

Price rises as you age, on top of other increases

Ask which method a policy uses before you compare 2027 quotes. A lower starting price on an attained-age policy can overtake an issue-age policy after several birthdays.

2027 Part B Premium on Top of Your Medigap Bill

Every Medigap member also pays the Part B premium. At the projected $209.50 a month, that is $2,514 a year before any supplement premium. Higher-income enrollees pay more under IRMAA brackets, which are based on tax returns from two years earlier.

Fixed 2027 costs to budget for

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Part B premium: projected $209.50 a month

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Medigap premium: set by your insurer, plan letter and rating method

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Part D premium: varies by plan; 2027 Part D deductible can be up to $700

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Part D out-of-pocket spending is capped at $2,400 in 2027

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Which 2027 Plan Fits Which Spending Pattern

Low spending year likely

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High-deductible G limits worst-case cost to $3,050 plus premiums

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Plan N keeps office copays modest

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Plan L halves the exposure of Plan K

High spending year likely

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Plan G leaves only the Part B deductible

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Plan N adds small copays and excess charge risk

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Plan F, for those eligible before 2020, leaves nothing for approved services

Our breakdown of Plan G versus high-deductible Plan G walks through the break-even point in more detail, and Plan G versus Plan N compares the two most-sold letters.

When to Lock In 2027 Pricing

1

Use your Medigap open enrollment period It lasts six months from the month you are 65 or older and enrolled in Part B. Insurers cannot charge more for health conditions during this window.

2

Get quotes from more than one insurer Premiums for the same letter vary widely in the same ZIP code.

3

Ask about rate history An insurer’s past increases are a better guide than its starting price.

4

Recheck after November Once CMS confirms the 2027 Part A and B amounts, re-run your out-of-pocket math.

Outside open enrollment, most states let insurers use medical underwriting. Our guide to 2027 Medicare Supplement open enrollment covers the timing rules.

Bottom Line

The Bottom Line

For 2027, the Medigap-specific amounts are already final: $3,050 for high-deductible F and G, $8,360 for Plan K and $4,180 for Plan L. The Part A and Part B amounts that Plans G and N depend on are still projections until CMS announces them, so budget with the projected $209.50 premium and $292 deductible and update your math in November.

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Frequently Asked Questions

➤ What is the 2027 deductible for high-deductible Plan G?

CMS set it at $3,050 for 2027, up from $2,870 in 2026. Once you have paid that much in Medicare cost sharing, the plan pays the rest of covered gaps for the year.

➤ How much will Plan K cost me out of pocket at most in 2027?

Plan K’s 2027 out-of-pocket limit is $8,360, set by CMS. After you reach it, the plan pays 100% of covered cost sharing for the rest of the year. Premiums do not count toward it.

➤ What is Plan L’s 2027 limit?

Plan L’s out-of-pocket limit for 2027 is $4,180. It pays 75% of most cost sharing until you reach that amount.

➤ Is the 2027 Part B premium final?

Not yet. The Medicare Trustees project $209.50 a month with a $292 deductible, and CMS normally announces the official 2027 amounts in November.

➤ Has the 2027 Part A deductible been announced?

Not at the time of this update. The 2026 Part A deductible is $1,736 per benefit period, and CMS typically releases the next year’s figure in the fall.

➤ Does Plan G pay the Part B deductible in 2027?

No. Plan G covers every Original Medicare gap except the Part B deductible, projected at $292 for 2027. Plan F covers it, but only people eligible for Medicare before 2020 can buy F.

➤ Do Plan K and Plan L limits include the Part B deductible?

Yes. Your Part B deductible payments count toward the yearly limit on both plans, even though neither plan pays that deductible.

➤ Why might my Medigap premium change in 2027 even if I keep the same plan?

Insurers adjust rates for medical inflation and claims, and attained-age policies also rise with your age. Any increase must be filed with your state insurance department.

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