Choose Plan G if
You see doctors frequently, you want the most predictable out-of-pocket costs, you have specialists who may not accept Medicare assignment, or you want comprehensive coverage without tracking copays.
Compare Medicare Supplement plans
Medigap Plan Comparison 2026
Medigap plans are standardized by federal law — Plan G from one carrier covers exactly the same benefits as Plan G from another. The only differences are the monthly premium and the carrier's rate increase history. This comparison covers the three most popular plans for new Medicare enrollees in 2026.
386-871-3858 Compare Medigap PlansThe Three Most Popular Plans for New Enrollees
Plan F is no longer available to new enrollees (those eligible after Jan 1, 2020). The three plans that matter for most new enrollees are Plan G, Plan N, and High-Deductible Plan G.
Side-by-Side Coverage Comparison
| Coverage Item | Plan G | Plan N | High-Deductible Plan G |
|---|---|---|---|
| Part A coinsurance & hospital | ✓ | ✓ | ✓ (after deductible) |
| Part A deductible ($1,736) | ✓ | ✓ | ✓ (after deductible) |
| Part A hospice coinsurance | ✓ | ✓ | ✓ (after deductible) |
| Part B coinsurance (20%) | ✓ | ✓ (with copays) | ✓ (after deductible) |
| Part B excess charges | ✓ | ✗ | ✓ (after deductible) |
| SNF coinsurance | ✓ | ✓ | ✓ (after deductible) |
| First 3 pints of blood | ✓ | ✓ | ✓ (after deductible) |
| Foreign travel emergency | ✓ | ✓ | ✓ (after deductible) |
| Part B deductible ($283) | ✗ | ✗ | ✗ |
| Annual deductible | None | None | $2,950 (2026) |
Premium Comparison (Florida, 65-year-old female non-tobacco)
| Plan | Typical Monthly Premium | Annual Premium | Annual Deductible / Out-of-Pocket Exposure |
|---|---|---|---|
| Plan G | $100–$180 | $1,200–$2,160 | $283 (Part B deductible) |
| Plan N | $70–$130 | $840–$1,560 | $283 + copays + excess charges |
| High-Deductible Plan G | $40–$70 | $480–$840 | $2,950 deductible |
Which Plan Is Right for You?
Choose Plan N if
You are generally healthy, you see doctors infrequently, your doctors accept Medicare assignment, and you want to save $20–$50/month in premiums compared to Plan G.
Choose High-Deductible Plan G if
You are healthy and rarely use healthcare, you are comfortable with a $2,950 annual deductible, and you want the lowest possible monthly premium.
The Rate Increase Factor
Coverage is identical within each plan type — but rate increase history varies by carrier. A carrier with a slightly higher initial premium but modest annual increases may cost less over 5–10 years than a carrier with a low introductory rate and aggressive increases. An independent broker tracks rate increase history for all carriers they represent.
What Medigap Does NOT Cover
All three plans exclude: routine dental, routine vision, routine hearing, long-term care, prescription drugs (need separate Part D), and cosmetic procedures.
Frequently Asked Questions
Related guides
Compare your Medigap options
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