Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated November 11, 2026
Medigap Plan F and Plan G cover the same benefits except one: Plan F pays the Part B deductible and Plan G does not. That deductible is projected at $292 for 2027, while KFF’s 2025 averages show Plan F premiums about $131 a month higher than Plan G, and only people eligible for Medicare before January 1, 2020 can buy Plan F at all.
2027 by the Numbers
$325
average monthly Plan F premium, 2025 (KFF)
$194
average monthly Plan G premium, 2025 (KFF)
$292
projected 2027 Part B deductible, the one cost Plan F adds
$24.33
monthly premium gap at which F and G break even (our math)
Comparing Plan F and Plan G used to be a question every new enrollee faced. Since 2020, it is really two separate questions. For anyone who became eligible for Medicare in 2020 or later, Plan G is the most complete option they can buy. For people who were eligible earlier, the question is whether paying more for Plan F still makes sense, or whether moving to Plan G would save money.
This page lays out the single benefit difference, the eligibility rule, the cost math with published averages, and how a move from F to G actually works. For a general overview of both letters among all ten plans, see our guide to the 10 Medigap plans.
✔ Based on CMS 2027 data
✔ Free plan comparison

