Medigap Plans Comparison Chart: All 10 Plan Letters Explained Side by Side

How the Medigap Standardization Chart Works

Medigap plans are standardized by federal law, which means a Plan G sold by one insurance company covers the exact same benefits as a Plan G sold by any other company. Only the price and the customer service change. There are 10 lettered plans available in most states (A, B, C, D, F, G, K, L, M, and N), plus high-deductible versions of Plan F and Plan G.

Every plan letter is measured against the same nine standardized benefits:

1. Part A hospital coinsurance and 365 extra lifetime days
2. Part B coinsurance or copayment
3. Blood (first 3 pints per year)
4. Part A hospice care coinsurance or copayment
5. Skilled nursing facility (SNF) coinsurance
6. Part A inpatient deductible ($1,736 per benefit period in 2026)
7. Part B annual deductible ($283 in 2026)
8. Part B excess charges
9. Foreign travel emergency care

The 2026 Medigap Comparison Chart (All 10 Plans)

Here is the official 2026 side-by-side breakdown. "Yes" means the plan pays 100% of that benefit. A percentage means the plan pays that share and you pay the rest until you hit an out-of-pocket cap.

*Plan N pays 100% of the Part B coinsurance except for a copay of up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission.

High-Deductible Plan F and Plan G

Plans F and G also come in high-deductible versions. In 2026, the CMS-set deductible for both High-Deductible Plan F and High-Deductible Plan G is $2,950 (up from $2,870 in 2025). You pay Medicare-covered cost-sharing out of pocket until you reach $2,950, then the plan starts paying like the standard version. This is the same benefit design but with much lower monthly premiums. Read our full Plan G coverage breakdown before you commit to the high-deductible version.

Which Medigap Plans Are No Longer Available?

Because of the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA), Medigap plans that cover the Part B deductible can no longer be sold to people who are newly eligible for Medicare on or after January 1, 2020. The closed plans are:

• Plan C
• Plan F (standard version)
• High-Deductible Plan F

Decision Guide: Which Medigap Plan Fits You?

The chart only tells you what each plan covers. The harder question is which one matches your budget, health, and risk tolerance. Here is how the most common plan letters line up against buyer types in 2026.

Plan G: The Top Pick for New Enrollees

Plan G covers everything Plan F covers except the Part B deductible. After you pay that $283 once per year, you have essentially zero out-of-pocket costs for Medicare-approved services. Average premiums run about $166 per month at age 65 nationally in 2026, though some analyses put the national average closer to $220 depending on the mix of carriers surveyed. Plan G is the default pick for most people newly eligible for Medicare who want predictable bills, and it consistently tops rankings of the best Medicare Supplement plans for 2026.

Plan N: The Budget-Conscious Pick

Plan N is similar to Plan G but with small copays (up to $20 for office visits, up to $50 for ER visits that do not result in admission) and no coverage for Part B excess charges. In return, premiums average about $123 per month at age 65 in 2026. It is a good fit if you do not mind small copays and you live in a state that already bans Part B excess charges anyway. Our full Plan N coverage and costs review breaks down the trade-offs.

High-Deductible Plan G: For Healthy Savers

If you are healthy, have cash reserves, and want the lowest possible monthly premium, HDG can run $30 to $70 per month in many markets. You are on the hook for up to $2,950 in a bad year, but if you stay healthy, you can save well over a thousand dollars annually versus standard Plan G.

Plan K and Plan L: The Cost-Sharing Plans

Plans K and L cap your annual out-of-pocket spending ($8,000 for K, $4,000 for L in 2026), then pay 100% for the rest of the year. They have lower premiums than Plan G but expose you to more cost-sharing along the way. These work for people who want a hard ceiling on costs without paying Plan G premiums. Our deeper look at Plan K vs Plan L walks through the math.

Plan F (if you qualify): Maximum Coverage

If you were Medicare-eligible before 2020, Plan F still pays everything (including the Part B deductible) for about $220 per month at age 65. The trade-off is that closed blocks tend to see steeper rate hikes over time, with several major carriers filing 2026 Plan F increases in the 12% to 26% range. Read our deeper Plan F coverage and eligibility breakdown before staying or switching.

Pros and Cons of Picking by Plan Letter

How Wisconsin, Minnesota, and Massachusetts Are Different

Three states do not use the A-N lettered Medigap system at all. If you live in Wisconsin, Minnesota, or Massachusetts, the standard chart above does not apply to you. Each state has its own standardized design, but the underlying federal protections (guaranteed renewability, no networks, coordination with Original Medicare) still hold. Our deeper waiver state guide covers all three in detail.

Wisconsin

Wisconsin uses a single standardized base plan plus optional riders. Every Wisconsin Medigap policy must cover Part A coinsurance (including hospital days through 150 and SNF days 21-100), Part B coinsurance, blood, hospice, 175 extra lifetime days of inpatient mental health care, and 40 extra home health visits per year. You then add riders for things like the Part A deductible (50% or 100%), Part B excess charges, foreign travel, and additional home health visits.

Wisconsin also offers 25% and 50% cost-sharing plans (similar to national Plans L and K) and a high-deductible version with the same $2,950 threshold used nationally in 2026.

Minnesota

Minnesota uses a Basic Plan and an Extended Basic Plan as the two main designs, plus 50% and 75% cost-sharing options and a high-deductible version. The Basic Plan covers a defined core of benefits, and you add riders for things like the Part A deductible, foreign travel, and (for those eligible) the Part B deductible. The result is roughly equivalent to Plan G or Plan N, but the labels are completely different.

Massachusetts

Massachusetts uses a Core Plan and Supplement plans (Supplement 1 and Supplement 1A) instead of letter plans. The Core Plan provides the minimum required benefits. Supplement plans add deductible coverage, SNF coinsurance, and additional benefits. Massachusetts also has some of the strongest year-round guaranteed-issue rules in the country, which makes switching easier than in most states.

Frequently Asked Questions

Are Medigap benefits really identical across companies?

Yes, for the same plan letter in the same state. Federal law standardizes the benefits, so a Plan G from a small regional carrier covers the same nine benefits as a Plan G from a national brand. The only differences are the monthly premium, the pricing method (issue-age, attained-age, or community-rated), and the carrier's customer service. That is why it pays to shop on price alone, not on brand name.

Why is Plan G more popular than Plan F in 2026?

Plan F is closed to anyone newly eligible for Medicare on or after January 1, 2020, so most new enrollees cannot even buy it. Even for people who can still buy it, Plan G usually costs $40 to $60 less per month than Plan F. The only benefit Plan F adds over Plan G is paying the $283 Part B deductible, which almost never works out to be worth the extra premium over a full year. Closed Plan F blocks are also seeing double-digit rate hikes in 2026, which widens the gap further.

What does High-Deductible Plan G actually cover?

High-Deductible Plan G covers the exact same benefits as standard Plan G, but only after you pay $2,950 out of pocket in 2026 (up from $2,870 in 2025). Until you hit that deductible, you pay your share of Medicare-approved costs. After you hit it, the plan pays 100% just like standard Plan G. Monthly premiums are typically $100 or more cheaper than standard Plan G, which makes it attractive for healthy buyers.

Do Medigap plans cover prescription drugs?

No. None of the standardized Medigap plans (A through N) include prescription drug coverage in 2026. If you want drug coverage, you need to enroll in a standalone Medicare Part D prescription drug plan, which now has a $2,100 annual out-of-pocket cap and a maximum $615 deductible for 2026. This is different from Medicare Advantage, which often bundles drug coverage in.

Can I switch from one Medigap plan letter to another later?

You can apply to switch at any time, but outside of your Medigap Open Enrollment Period or a guaranteed-issue right, the new carrier can use medical underwriting to deny you or charge more. Some states offer a birthday rule that lets you switch to an equal or lesser plan once a year without underwriting. The list of birthday-rule states expanded in 2026 to include Delaware and Indiana (effective January 1, 2026) and West Virginia (effective June 1, 2026), with New Mexico's rule scheduled to take effect in January 2027. If you are considering a switch, get a fresh set of 2026 Medigap quotes so you can compare like-for-like coverage across carriers.