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Medigap F Plans 2027

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

Medigap Plan F covers every gap in Original Medicare, including the Part B deductible, but only people who were eligible for Medicare before January 1, 2020, can buy it. High-Deductible Plan F has a $3,050 deductible for 2027.

Plan F was the most popular Medigap plan for years. A 2015 federal law stopped Medigap plans from covering the Part B deductible for people newly eligible from 2020 on, which closed Plans C and F to new enrollees. People already in Plan F can keep it, and people who were eligible before 2020 can still buy it.

This guide explains who can buy Plan F, what it covers, how it compares with Plan G and whether to switch. See Medicare Plan G and Medicare Supplement plans 2027.

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

Key Highlights

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Plan F covers every Original Medicare gap, including the Part B deductible.

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Only people eligible for Medicare before January 1, 2020, can buy Plan F.

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High-Deductible Plan F has a $3,050 deductible for 2027 (CMS).

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People with Plan F can keep it as long as they pay the premium.

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Plan G covers everything Plan F does except the Part B deductible.

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Who Can Buy Plan F

Your Situation Can You Buy Plan F?
Eligible for Medicare before January 1, 2020 Yes, even if you did not enroll then
Turned 65 on or after January 1, 2020 No
Already have Plan F You can keep it
Under 65 with Medicare before 2020 Generally yes, if your state requires Medigap sales to people under 65

What Plan F Covers

Benefit Plan F
Part A deductible and coinsurance Yes
Part B deductible Yes
Part B coinsurance Yes
Part B excess charges Yes
Skilled nursing coinsurance Yes
Blood and hospice coinsurance Yes
Foreign travel emergency 80% up to plan limits

Understanding Medigap Plan F

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High-Deductible Plan F

High-Deductible Plan F covers the same benefits after a yearly deductible of $3,050 in 2027, up from $2,950 in 2026. Premiums are much lower, so it can suit healthy people who were eligible before 2020 and can handle the deductible.

Plan F vs Plan G

Plan F

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Covers the Part B deductible

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Higher premium

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Only if eligible before 2020

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Closed pool can mean faster rate increases

Plan G

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You pay the Part B deductible

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Lower premium

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Open to everyone

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Larger, growing pool of policyholders

For most people who can buy either, Plan G is the better value if the yearly premium difference is larger than the Part B deductible. Because no new people can join Plan F, its pool of policyholders is aging, which can push premiums up faster over time.

Should You Switch From Plan F to Plan G?

Step by Step

1

Compare a year of premiums. Plan F versus Plan G for your age and ZIP.

2

Subtract the Part B deductible. That is what Plan F covers that Plan G does not.

3

Check if you would need to answer health questions. Outside guaranteed issue, most states allow them.

4

Keep Plan F until approved for Plan G. Use the 30-day free look.

Medicare supplement costs

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.

How Medigap Prices Are Set

Your Age

Many insurers charge more as you get older.

Your ZIP Code

Prices vary by state and area.

Tobacco Use

Tobacco users usually pay more.

Discounts

Household or other discounts, depending on the insurer and state.

Pricing Method How the Premium Is Set Over Time
Community-rated Everyone in an area pays the same premium, regardless of age Does not rise because you get older, but can rise for inflation and other reasons
Issue-age-rated Based on your age when you buy Does not rise because you get older, but can rise for other reasons
Attained-age-rated Based on your current age Rises as you age, on top of other increases

The method depends on the insurer and the state. Ask how a policy is priced before you buy, not just what it costs today.

When You Can Buy

Key Takeaway

Your six-month Medigap Open Enrollment Period starts the first month you are 65 or older and enrolled in Part B. During it, an insurer cannot deny you or charge more because of your health.

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.

Federal law also gives you guaranteed issue rights in certain situations, generally within 63 days after other coverage ends:

You May Have a Right to Buy If

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Your Medicare Advantage plan leaves your area or stops serving Medicare

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You joined Medicare Advantage when first eligible at 65 and want to switch back within the first year

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You dropped a Medigap policy to try Medicare Advantage for the first time and want to return within a year

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Your employer or union coverage that pays after Medicare ends

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Your Medigap insurer goes bankrupt or misleads you

State rules can give you more: New York and Connecticut allow Medigap enrollment year-round without health questions, and states such as California and Oregon give yearly windows to switch to an equal or lesser plan.

What Medigap Does Not Cover

Not Covered by Medigap

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Prescription drugs: add a standalone Part D plan

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Routine dental care, eye exams for glasses, and hearing aids

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

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Private-duty nursing

For 2027, a standalone Part D plan has a maximum deductible of $700 and an out-of-pocket cap of $2,400. Buy one when you buy Medigap to avoid a lifelong late enrollment penalty.

Medigap When You Travel

Inside the U.S., a Medigap plan follows you everywhere, because it works with any provider that accepts Medicare. Outside the U.S., Original Medicare generally pays nothing, but Plans C, D, F, G, M and N cover 80% of emergency care abroad after a $250 yearly deductible, up to a $50,000 lifetime limit.

Rate Increases and Switching Insurers Later

Medigap benefits never change once you buy, but premiums can. Insurers file rate increases with state regulators, often once a year. Because the same plan letter covers the same benefits everywhere, switching to a lower-priced insurer can save money without changing your coverage.

The catch is underwriting. Outside your Medigap Open Enrollment Period or a guaranteed issue situation, most states let the new insurer ask health questions and decline you. Never cancel your current policy until the new one is approved and in force.

How Medigap Claims Work

In most cases you never file a Medigap claim. Your doctor bills Medicare, Medicare pays its share, and the claim crosses over to your Medigap insurer automatically, which pays its share. You get a Medicare Summary Notice and an explanation of benefits showing what each paid.

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.

Plan G, Plan N and High-Deductible Plan G

Most people new to Medicare choose one of these three. Plan G covers every gap except the Part B deductible. Plan N trades a lower premium for copays of up to $20 for some office visits and up to $50 for ER visits that do not lead to admission, and it does not cover Part B excess charges. High-Deductible Plan G has a $3,050 deductible for 2027, up from $2,950, then covers like Plan G. See Plan G vs Plan N.

Plan G

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You pay the Part B deductible, then little or nothing

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Covers Part B excess charges

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Highest premium of the three

Plan N

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You pay the Part B deductible plus small copays

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Does not cover Part B excess charges

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Usually a lower premium than Plan G

High-Deductible G

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You pay up to $3,050 in 2027 before coverage starts

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Then covers like Plan G

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Lowest premium

Medigap vs Medicare Advantage

Medicare Advantage Original Medicare + Medigap
Monthly premium Often low or $0 (2027 average $12, CMS) Higher; varies by plan letter, age and ZIP
Doctors Usually a network Any provider in the U.S. that accepts Medicare
Costs when you get care Copays and coinsurance up to a yearly maximum Low and predictable; little or nothing on Plan G after the Part B deductible
Drug coverage Usually included Add a separate Part D plan
Dental, vision, hearing Many plans may include some coverage Not included
Changing later Every year during Annual Enrollment Health questions in most states after your Medigap Open Enrollment Period

Plans K and L: Lower Premiums With a Cost Cap

Plans K and L pay a share of most costs instead of all of them: Plan K pays 50% and Plan L pays 75% of most cost sharing, after which you pay the rest. In exchange for lower premiums, both have a yearly out-of-pocket limit that Medicare sets each year. Once you reach it, the plan pays 100% of covered services for the rest of the year.

These plans can suit people who want catastrophic protection at a lower premium and can handle some costs along the way. Ask whether your insurer offers Plan K or L in your state.

Plans C and F for Earlier Enrollees

Plans C and F are the only plans that cover the Part B deductible. Since January 1, 2020, they cannot be sold to people newly eligible for Medicare. If you were eligible for Medicare before that date, even if you did not enroll, you may still be able to buy Plan C or F, including a High-Deductible Plan F with the same $3,050 deductible for 2027.

For most people who can buy either, compare the yearly premium difference between Plan F and Plan G with the Part B deductible. If Plan F costs more than the deductible saves you, Plan G is the better value.

Medigap Under 65

If you have Medicare before 65 because of a disability or end-stage renal disease, federal law does not require insurers to sell you a Medigap policy, but many states do. Prices for people under 65 can be much higher, and plan choices may be limited. When you turn 65, you get a new six-month Medigap Open Enrollment Period, when you can buy any plan sold in your state at the same prices as everyone else your age.

Medigap and Part D Together

Because Medigap plans sold today do not cover prescriptions, you should also have a Part D plan. It does not have to come from your Medigap company. Choose it by your drugs and pharmacy in Medicare Plan Finder, and review it every fall. If you delay drug coverage without other creditable coverage, the late penalty adds 1% of the national base beneficiary premium, $41.33 for 2027, for every month you went without.

Turning 65 in 2027

If you turn 65 in 2027, your Initial Enrollment Period lasts seven months: the three months before your birthday month, your birthday month and the three months after. Signing up during the first three months means your coverage starts on the first day of your birthday month.

Turning 65 Checklist

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Sign up for Part A and Part B, unless you have qualifying employer coverage and choose to delay Part B

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Decide between Medicare Advantage and Original Medicare with Medigap

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Join a drug plan, or a Medicare Advantage plan with drugs, to avoid a Part D late penalty

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If you choose Medigap, buy during your six-month Medigap Open Enrollment Period

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

If you qualify for both Medicare and full Medicaid, you may also be able to join a Dual Special Needs Plan. See help for low-income Part D beneficiaries.

Excess Charges and Medicare Assignment

Doctors who “accept assignment” agree to take Medicare’s approved amount as full payment. Doctors who do not accept assignment can charge up to 15% more, called a Part B excess charge. Plans F and G cover excess charges; Plan N and most other plans do not.

Most doctors accept assignment, and some states limit or prohibit excess charges, so for many people the risk is small. Ask your doctors whether they accept assignment before deciding whether excess charge coverage is worth paying for.

Your Medigap Open Enrollment Period in Detail

Your six-month Medigap Open Enrollment Period starts the first month you are both 65 or older and enrolled in Part B. It happens only once and cannot be restarted. During it, insurers must sell you any Medigap plan they offer in your state, at the same price as people in good health.

If you keep working past 65 with employer coverage and delay Part B, your Medigap Open Enrollment Period waits until you enroll in Part B. Enrolling in Part B early, when you do not need it, starts the clock and can waste this protection.

Switching From Medicare Advantage to Medigap

Step by Step

1

Check whether you have a guaranteed issue right. For example, your plan is ending or you are within your first year of Medicare Advantage.

2

If not, check your state’s rules. Some states give extra rights; most allow health questions.

3

Apply for Medigap before you leave Medicare Advantage. Make sure you are approved first.

4

Join a Part D plan. Medigap does not cover drugs.

5

Leave Medicare Advantage at the right time. During Annual Enrollment or the January to March window.

Medigap With Employer or Retiree Coverage

If you have coverage from a current employer, you may not need Medigap yet, and delaying Part B can preserve your Medigap Open Enrollment Period for later. Retiree coverage is different: it may work like a supplement, so compare it with Medigap before dropping it, because you may not be able to get retiree coverage back.

When employer or union coverage that pays after Medicare ends, you generally have a guaranteed issue right to buy certain Medigap plans.

Medicare SELECT Policies

Some insurers sell Medicare SELECT policies, a type of Medigap that requires you to use specific hospitals, and sometimes doctors, for non-emergency care in exchange for a lower premium. Benefits match the standard plan letter, but the network rule makes them work more like a managed plan. If you want any-doctor freedom, choose a standard Medigap policy instead.

A Hospital Stay With and Without Medigap

Consider a hospital stay. Without a supplement, you pay the Part A deductible for each benefit period, $1,736 in 2026, plus 20% of the doctors’ Part B bills while you are in the hospital, with no cap. With Plan G, the Part A deductible and your Part B coinsurance are covered; after the yearly Part B deductible, you generally pay nothing for Medicare-approved care.

Benefit periods matter: the Part A deductible applies to each benefit period, not once a year. Two separate hospital stays can mean two deductibles without Medigap.

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

Plan F covers every Original Medicare gap but is only available to people eligible for Medicare before 2020. If you can buy it, compare it with Plan G: if the premium difference is bigger than the Part B deductible, Plan G is usually the better value.

Compare plans and enroll online

Frequently Asked Questions

➤ Can I still buy Medigap Plan F?

Only if you were eligible for Medicare before January 1, 2020. If you became eligible on or after that date, you cannot buy Plan F, but Plan G covers everything Plan F does except the Part B deductible. People already enrolled in Plan F can keep it.

➤ What does Plan F cover?

Plan F covers every Original Medicare gap, including the Part B deductible and Part B excess charges, plus 80% of emergency care abroad after a $250 deductible, up to a $50,000 lifetime limit. Plan F does not include drug coverage, so you would pair it with a separate Part D plan.

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

The High-Deductible Plan F deductible for 2027 is $3,050, up from $2,950, according to CMS. After you meet it, the plan pays the same benefits as standard Plan F for the rest of the year. Like regular Plan F, it is available only to people first eligible for Medicare before January 1, 2020.

➤ Is Plan F better than Plan G?

Plan F covers the Part B deductible, but Plan G usually costs less. If the yearly premium difference exceeds the Part B deductible, Plan G is the better value. Compare quotes for both letters from the same insurers before deciding.

➤ Can I keep my Plan F?

Yes, you can keep your Plan F as long as you pay the premium, because Medigap policies are guaranteed renewable. Your premium can still rise over time. If you want to switch to a lower-cost plan such as Plan G, insurers in most states can use health questions outside guaranteed issue rights, so check your state’s rules.

➤ Why were Plans C and F closed?

A 2015 federal law stopped Medigap plans from covering the Part B deductible for people newly eligible for Medicare from 2020 on. That is why Plans C and F can only be bought by people first eligible before January 1, 2020. New enrollees often choose Plan G instead.

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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