Compare Medicare Supplement Insurance Plans

Medicare Supplement Insurance (Medigap) covers certain copays, coinsurance or deductibles associated with Medicare Part A and Part B. In most states, there are 10 standardized Medigap plan types with letter names. The plan types differ in terms of what they cover and what they cost.

A few Medigap plan types are by far the most popular. Plans F, G and N cover 86% of all Medicare Supplement Insurance beneficiaries

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AHIP. The State of Medicare Supplement Coverage. Accessed Oct 7, 2026. View all sources . These three plans offer more coverage than other plan types, which means they’re also among the more costly plan options.

Compare Medigap plans at a glance

The best Medicare Supplement plan type for you might depend on where you live, your health and potential healthcare needs, your financial situation and your tolerance for risk. This table breaks down the 10 standard Medigap plan types into categories based on common features:

Because Medigap plan types are standardized, each plan type offers the same Medicare benefits everywhere and from every company. So once you’ve chosen a plan type, you can use factors like price and customer service to find the best Medicare Supplement Insurance companies for you.

Most popular: Medigap Plan G, Plan F and Plan N

Here are the most popular Medicare Supplement plan types by share of enrollment as of the end of 2024^[1]AHIP. The State of Medicare Supplement Coverage. Accessed Oct 7, 2026. View all sources :

Medigap Plan G is the clear favorite. And it’s been growing in popularity since federal law closed Medigap Plan F to newly eligible enrollees in 2020.

Together, Medigap Plan G and Plan F cover over two-thirds of policyholders. Plan N comes in third, after which there’s a sharp drop-off in popularity — no other letter-named plan type has more than a 2% share of Medigap enrollment.

» MORE: Best Medicare Supplement Plan G companies

High-deductible versions of popular Medigap plans

Both Medigap Plan G and Plan F have high-deductible plan options. The enrollment data above groups these high-deductible versions in with the overall enrollment totals for Medigap Plan G and Plan F.

High-deductible Medigap Plan G and Plan F come with an annual deductible of $2,950 in 2026. This means you have to pay your share of Medicare out-of-pocket costs until you reach that threshold. After that, your Medigap coverage kicks in and pays your remaining covered costs for the rest of the calendar year, just like the standard Plan G and Plan F do.

Because you pay more upfront, these high-deductible plans offer significantly lower premiums, often starting at around $30 to $50 per month.

Choosing between Medigap Plan G, Plan F and Plan N

While there are 10 Medigap options, most Medicare beneficiaries choose between three plans: Medigap Plan G, Plan F and Plan N. You may also want to consider the high-deductible version of Medigap Plan G. Here’s how to weigh your options.

Highest coverage: Medigap Plan G or Plan F

Your highest-coverage Medigap option depends on your age-based Medicare eligibility date:

• If you became eligible before 2020: Medigap Plan F has the most coverage. Medigap Plan F pays for all of your Medicare-approved out-of-pocket costs in the U.S.

• If you became eligible in 2020 or later: You generally can’t buy Plan F, so Plan G is your highest-coverage option. Medigap Plan G pays for all Medicare-approved out-of-pocket costs in the U.S. except for the Part B deductible, which is $283 in 2026.

Even if you’re eligible for Medigap Plan F, we recommend choosing Medigap Plan G for long-term affordability. Because Medigap Plan F closed to newly eligible enrollees in 2020, the plan’s pool of policyholders is aging with no younger, healthier enrollees to offset costs. As a result, members in closed plans, like Medigap Plan F, face rapidly increasing premiums

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National Association of Insurance Commissioners. Senior Issues (B) Task Force meeting minutes. Accessed Oct 7, 2026. View all sources .

Because they offer the most comprehensive coverage, Medigap Plan G and Plan F usually cost more than other plans. Monthly premiums start at $172 for Plan F and $145 for Plan G for a 65-year-old nonsmoking female in Atlanta, a metro area with average Medigap costs

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Medicare.gov. Find a Medigap policy that works for you. Accessed Oct 7, 2026. View all sources .

» MORE: Medigap Plan F vs. Plan G: Which one is right for you?

Balanced cost and coverage: Medigap Plan N

If you’re looking to balance cost with coverage, Medigap Plan N is worth pricing out. Premiums start at $109 per month for a 65-year-old nonsmoking female in Atlanta.

Medigap Plan N is another one of the more comprehensive plans. But unlike Plan F and Plan G, it charges some copays. You’ll pay a $20 copay for office visits and $50 for emergency visits (unless you’re admitted to hospital inpatient care). If you don’t expect to pay these often, Plan N might save you significant money on monthly premiums.

Medigap Plan N also doesn’t cover Part B excess charges. While rare, these happen when a healthcare provider charges more than the Medicare-approved amount, leaving you to pay the difference.

» MORE: Medigap Plan G vs. Plan N: Which is best?

Lowest premiums: High-deductible Medigap Plan G

High-deductible Medigap Plan G doesn’t cover anything until you’ve spent $2,950 in 2026. After that, it covers nearly all your out-of-pocket medical expenses for the rest of the year, just like standard Medigap Plan G.

While it comes with a high deductible, this plan also tends to have the lowest premium of any Medigap plan, starting at $46 per month for a 65-year-old nonsmoking female in Atlanta. Compared to the standard Medigap Plan G monthly premium for the same person ($145), that’s a savings of $99 per month, or $1,188 per year. That would make the high-deductible worth it only if you expect your out-of-pocket costs to be lower than $1,188 for the year. Note that this example doesn’t include the Part B deductible ($283 in 2026), which you’d have to pay with either plan.

High-deductible Medigap plans are mostly there for peace of mind, or risk protection. If you expect to have low medical costs well into the future, you probably won’t spend enough for your Medigap coverage to kick in. But it’s there to protect you against catastrophic bills in a worst-case scenario.

» MORE: Are high-deductible Medigap plans worth it?

Medicare Supplement Insurance plan comparison chart

Here’s a Medicare Supplement Insurance plan comparison chart to help you see what's covered by each plan type, according to Medicare.gov

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Centers for Medicare & Medicaid Services. How to Compare Medigap Policies. Accessed Oct 7, 2026. View all sources :

When to enroll in Medicare Supplement Insurance

You only get one Medigap open enrollment period

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Centers for Medicare & Medicaid Services. When Can I Buy a Medigap Policy?. Accessed Oct 7, 2026. View all sources . If you miss it, you might not be able to get a Medigap plan later on.

It starts once you’re 65 and enrolled in Medicare Part B, and lasts for six months. (If you're still working after 65 and covered by a group employer plan that is deemed creditable coverage, your six-month period starts after you’ve ended active employment or no longer have that insurance.)

Medigap policies are cheapest and easiest to get during this open enrollment period because insurance companies aren’t allowed to factor your health or medical history into your price. After the period ends, Medigap insurance companies can charge higher rates or deny you coverage altogether due to your health status or medical history.

In some states, insurance companies sell Medigap plans to those under 65 who are living with a disability and are eligible for Medicare. You can find more information through your State Health Insurance Assistance Program, or SHIP.