Best Medicare Supplement Plans of 2026: Plan G, Plan N, Costs, and How to Choose

For most people newly enrolling in Medicare in 2026, Plan G is the best starting point. It covers nearly all Medicare-approved Part A and Part B cost sharing except the annual Part B deductible. Plan N is usually the leading lower-premium alternative if you can accept office-visit and emergency-room copayments and possible Part B excess charges. High-deductible Plan G can reduce monthly premiums, but you must be able to absorb a $2,950 deductible in 2026.

There is no universally best Medigap insurer. Because standardized plans generally provide the same basic benefits from one company to another, the best carrier is usually the financially sound company offering the most competitive long-term price, acceptable rate history, discounts, service, and underwriting terms in your ZIP code.

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This guide uses 2026 Medicare cost-sharing figures and research available as of August 9, 2026. Your actual premium depends on location, age, tobacco status, rating method, enrollment rights, discounts, and the specific insurance company.

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Quick picks: the best Medigap options in 2026

Medicare’s official standardized benefit chart is the authoritative starting point for comparing what each letter covers. It does not identify a single best plan or company.

What changed or matters in 2026?

Medigap policies work alongside Original Medicare, so the underlying Medicare deductibles and coinsurance affect how much protection you need. The key 2026 figures are:

See the CMS 2026 Medicare premiums, deductibles, and coinsurance fact sheet for the Part A and Part B figures, and the CMS high-deductible Plan F and G announcement for the $2,950 amount.

How Medigap works

Medigap, or Medicare Supplement Insurance, is private insurance designed to work with Original Medicare Parts A and B. Medicare pays its share of an eligible, Medicare-approved service first. The Medigap policy then pays some or all of the remaining covered deductible, coinsurance, or copayment, depending on the plan letter.

With Original Medicare and a standard Medigap policy, you can generally use any doctor or hospital that accepts Medicare. That is different from many Medicare Advantage plans, which may use provider networks, prior authorization, referral rules, and other utilization-management requirements in exchange for bundled benefits and a different premium and cost-sharing structure. Medigap does not give you Medicare Advantage network benefits; it supplements Original Medicare instead. Medicare explains how Medigap works here.

Medigap is not:

• Medicare Advantage;
• Medicare Part D prescription-drug insurance;
• dental, vision, hearing-aid, or long-term-care insurance;
• employer or retiree coverage; or
• a policy that replaces Original Medicare’s claims process.

Policies sold after 2005 generally do not include prescription-drug coverage. Someone choosing Original Medicare plus Medigap should separately evaluate a Part D plan and its premiums, formulary, pharmacy network, and cost sharing. Medigap also generally does not pay for routine dental, vision, or hearing-aid services. See Medicare’s pages on Medigap coverage and exclusions.

Plan choice and carrier choice are different decisions

In most states, federal law standardizes Medigap policies by letter: A, B, C, D, F, G, K, L, M, and N. A Plan G policy has the same federally standardized basic benefits whether it is issued by one insurer or another. The premium, pricing method, discounts, application process, service, rate history, and company-specific terms can differ substantially.

Think of the purchase as two separate decisions:

1. Choose the plan letter: for example, Plan G versus Plan N versus high-deductible Plan G.
2. Choose the carrier: compare the companies that sell that same letter in your ZIP code.

Companies a shopper may encounter include AARP/UnitedHealthcare, State Farm, HealthSpring, Mutual of Omaha, Aflac, Aetna, Blue Cross Blue Shield, and regional insurers. Their availability and prices are not uniform nationwide. Blue Cross Blue Shield, in particular, is a federation of regional companies rather than one single standardized national Medigap issuer, so the local underwriting company matters.

Medigap plans compared

The following summary applies to the national lettered-plan system used in most states. Massachusetts, Minnesota, and Wisconsin use different standardization systems and should not rely on this A–N table alone.

For the complete standardized benefit schedule, use Medicare’s Compare Medigap plan benefits page. A carrier may not offer every plan in every state, and some plans may not be available in your ZIP code.

Why Plans C and F are restricted

Federal law prohibits Medigap policies sold to people new to Medicare on or after January 1, 2020 from covering the Part B deductible. That is why new beneficiaries generally cannot buy Plans C or F. People who were eligible for Medicare before that date may still be able to buy those plans, depending on state rules, eligibility, and local availability.

Plan F is not automatically the best choice even for someone who can buy it. It covers the $283 Part B deductible, but its premium may cost more than the value of that deductible. Compare an eligible Plan F quote with Plan G plus the separate Part B deductible and consider future premiums, not just first-year coverage.

Plan G versus Plan N: the central 2026 decision

For many shoppers, the practical choice is not among all 10 letters. It is whether to pay more for the predictability of Plan G or accept Plan N’s cost sharing for a lower premium.

Why Plan G may be better

• You see doctors, specialists, or outpatient providers frequently.
• You want protection from Part B excess charges.
• You dislike tracking office-visit and emergency-room copayments.
• You want a simple, predictable claims experience.
• You can afford the premium difference.
• You travel within the United States and value Original Medicare’s broad provider access.

Plan G still does not eliminate every Medicare expense. You pay the Medigap premium, the Medicare Part B premium, the $283 Part B deductible in 2026, any Part D premium and prescription cost sharing, and charges for services the policy and Medicare do not cover.

Why Plan N may be better

• The Plan N premium is meaningfully lower in your ZIP code.
• You use relatively few office or specialist visits.
• Your doctors accept Medicare assignment.
• You can budget for up to $20 office copayments and up to $50 emergency-room copayments when the visit does not lead to inpatient admission.
• You understand that Plan N does not cover Part B excess charges.

Ask each physician’s billing office whether the provider accepts Medicare assignment. A provider who does not accept assignment may be able to charge a Part B excess charge where permitted. Plan N does not cover that exposure; Plan G does.

A break-even calculation

Use this simple comparison:

Annual Plan G premium − annual Plan N premium = the amount available for Plan N copayments and uncovered charges.

For example, if Plan G costs $900 more per year than Plan N, you would compare that $900 premium savings with your expected Plan N office-visit and emergency-room copayments and any possible excess charges. If your expected costs are lower than $900, N may produce lower total spending that year. If they are higher, G may have been the better value.

This is an illustration, not a forecast. Total spending also depends on your medical use, provider billing practices, whether a visit is treated as an emergency, and future rate increases. Plan N is usually cheaper in premium, but it is not necessarily cheaper in total annual cost.

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Standard Plan G versus high-deductible Plan G

High-deductible Plan G should be evaluated as a cash-flow decision, not just a low-premium decision. In 2026, you generally pay up to $2,950 in covered Medicare cost sharing before the policy begins paying its broad Plan G benefits. The deductible does not include the Medigap premium itself, and the exposure can recur each calendar year.

A useful comparison is:

• Standard Plan G: higher fixed premium, but after the Part B deductible you generally have little covered Medicare cost sharing.
• High-deductible Plan G: lower fixed premium, but you need enough savings to handle up to $2,950 of covered cost sharing before benefits begin.

Suppose, purely as an illustration, that high-deductible G saves $1,200 in annual premium. That saving is not a $1,200 reduction in worst-case medical exposure: you still need to be prepared for the $2,950 deductible, in addition to Medicare premiums, Part D costs, and non-covered expenses.

High-deductible G may fit someone with low historical medical use, substantial emergency savings, a preference for lower fixed premiums, and a strong understanding of the deductible. It is a poor fit if you have frequent outpatient or specialist care, cannot comfortably absorb $2,950, or are choosing it only because the monthly quote looks inexpensive.

There is another long-term risk: if you later want to move from high-deductible G to standard G, medical underwriting may apply unless you have a guaranteed-issue right or a state-law protection. A healthy new enrollee may have more switching flexibility than someone who develops serious medical conditions.

When Plans K and L make sense

Plans K and L are the principal standardized options that combine lower premiums with an annual Medigap out-of-pocket limit. They are not comprehensive Plan G substitutes: before the limit, they pay only 50% or 75% of many covered benefits.

In 2026, Plan K’s limit is $8,000 and Plan L’s is $4,000. The limits do not include your Medigap premiums, Medicare Part B premiums, Part D premiums, prescription-drug costs, or non-covered services. The applicable Part B deductible also must be met under the standardized rules before the plan pays covered services at 100% after the annual limit.

Consider K or L only after comparing:

• the premium savings against Plan G or N;
• your ability to pay 50% or 25% of covered costs during the year;
• the $8,000 or $4,000 annual limit;
• your cash reserves and likely medical use; and
• whether the plan is actually offered in your state and ZIP code.

Plan L generally offers stronger cost sharing than K, while K may have the lower premium. Neither K nor L includes the standard Medigap foreign-travel emergency benefit.

Foreign-travel emergency coverage

Plans C, D, F, G, M, and N generally include standardized foreign-travel emergency benefits. The usual structure is 80% coverage after a $250 deductible for qualifying emergency care that begins during the first 60 days of a trip, subject to a $50,000 lifetime limit. Plans K and L do not include that standard benefit.

Read the policy certificate before relying on it. Medigap foreign-travel coverage is limited emergency protection, not a substitute for comprehensive travel medical insurance, evacuation coverage, or trip-specific insurance. Medicare’s coverage outside the United States guide provides additional details.

How to choose the best Medigap company

Once you select a plan letter, compare carriers using the same letter. A Plan G quote should be compared with other Plan G quotes, not with a Plan N quote or a Medicare Advantage premium.

1. Compare the actual local premium

Medigap premiums vary by insurer, plan, location, age, tobacco status, gender where permitted, household circumstances, underwriting status, and other factors. A national average or an example from another state is not your quote.

Ask for the premium for your exact ZIP code, requested effective date, plan letter, tobacco status, and enrollment situation. Medicare’s 2026 Plan Compare tool can help identify available companies and estimated premiums, but confirm the final price directly with the insurer or a properly licensed agent.

2. Identify the pricing method

The three principal Medigap pricing methods are:

• Community-rated: People generally pay the same premium regardless of age, although premiums can rise because of inflation and other factors.
• Issue-age-rated: The premium is based on your age when you buy the policy. It may not rise merely because you get older, but other increases can apply.
• Attained-age-rated: The premium rises as you get older, in addition to possible inflation or other increases.

A low first-year premium is not automatically the cheapest long-term choice. Ask for the method in writing and compare it with the company’s historical increases for the same plan and rating class.

3. Examine rate-increase history

Ask the insurer or agent for:

• the current premium;
• the last several years of increases, if available;
• confirmation that the history applies to the same plan letter and rating class;
• whether the figures include household or other discounts;
• whether the quote is an introductory, new-to-Medicare, or household rate; and
• whether the company recently changed underwriting or product availability.

Historical increases are useful evidence, not a promise about future pricing. Check the actual legal underwriting company, not only the brand name.

4. Check discounts

Depending on the insurer and state, discounts may be available for a household or spouse, non-tobacco use, electronic funds transfer, annual payment, new-to-Medicare status, or association and group eligibility. Make sure the quote states which discounts are included and what happens if eligibility changes.

5. Review complaints and service

Check your state insurance department and available National Association of Insurance Commissioners complaint information. Interpret complaint data in context: raw complaint counts can make a large insurer look worse simply because it has more policyholders. Complaint ratios should be normalized by market share or premiums when that information is available.

6. Use financial strength as a secondary screen

A rating from A.M. Best or another recognized financial-strength agency can help you evaluate the specific underwriting company. Record the agency, rating date, and legal entity. A parent-company brand name alone is not enough. Financial strength should be a screening factor, not a reason to ignore a major local premium difference or an unfavorable rate history.

7. Verify availability and whether it is Medicare SELECT

A national brand may not sell the desired letter in your state or ZIP code. A policy may also be issued by a different subsidiary than the brand you recognize. Medicare’s guide to buying a Medigap policy, your state insurance department, and the Medicare Plan Compare tool are appropriate availability checks.

Medicare SELECT policies may cost less but can require you to use specified hospitals, and sometimes doctors, for full Medigap benefits. Medicare still pays its share of approved costs, but the supplement’s payment can be reduced when you use providers outside the SELECT network for non-emergency services. Do not assume that a lower SELECT premium provides the same provider freedom as ordinary Medigap.

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What national Medigap rankings can—and cannot—tell you

Private insurance comparison sites can be useful research, but their awards are methodology-dependent and should not be treated as Medicare designations. The rankings also may use sample profiles that do not resemble you.

• NerdWallet: Its 2026 analysis considers premiums, price increases, complaint data, plan choices, satisfaction, and other factors. It reports State Farm as its overall pick, HealthSpring as a low-price pick, and AARP/UnitedHealthcare for availability. Its methodology covers approximately 87% of Medigap beneficiaries and uses a proprietary score. That makes it a useful comparison framework, not a universal answer for every ZIP code or applicant.
• MoneyGeek: It emphasizes that the same standardized plan can have very different prices by insurer and reports plan-specific picks such as Aflac, United American, Aetna, State Farm, and Mutual of Omaha. Its sample premiums and availability figures depend on the profile, location, and methodology used.
• Forbes Advisor: Its 2026 comparison considers availability, plan variety, Part D availability, extra benefits, A.M. Best financial strength, and J.D. Power feedback, and presents Blue Cross Blue Shield and Humana prominently. General provider reputation does not replace a local Plan G or Plan N quote, and Blue Cross Blue Shield results depend on the regional company.
• ValuePenguin: It presents Plan G as a common choice for many people, Plan F as the broadest option for eligible beneficiaries, Plan N as a lower-premium alternative, and high-deductible G as a low-premium option. That framework is useful, but Plan G is not automatically best for a low-use buyer who can qualify for a substantially cheaper Plan N, and Plan F is unavailable to most new beneficiaries.

When reading any ranking, look for the exact sample age, sex, tobacco status, ZIP code, rating method, policy date, carrier entity, and whether discounts are included. A sample premium is not a national quote or a long-term projection.

Enrollment, guaranteed issue, and underwriting

Your one-time Medigap Open Enrollment Period

Your federal Medigap Open Enrollment Period is a one-time six-month period that begins when you are both age 65 or older and enrolled in Medicare Part B. During it, you can generally buy any Medigap policy sold in your state without medical underwriting or denial because of pre-existing conditions.

This period does not repeat every year. If you delay Part B because you have active employer coverage, your Medigap enrollment period generally begins when Part B actually starts, not necessarily when you turn 65. Confirm coordination of benefits with your employer or union before delaying Part B.

Use this protected period to choose a plan based on long-term fit, not only the lowest first-year price. Later switching may be harder or impossible if your health changes.

Guaranteed-issue rights outside initial enrollment

Federal guaranteed-issue rights can arise in specific circumstances, including certain Medicare Advantage plan departures, loss of employer or union coverage, Medicare SELECT situations, insurer bankruptcy or nonrenewal, a move out of an Advantage plan’s service area, or a case in which a plan misled you or failed to follow Medicare rules.

These rights are fact-specific and usually have strict application windows, commonly no later than 63 days after coverage ends. State law may add protections. Do not assume that leaving Medicare Advantage, moving, or finding a cheaper carrier automatically gives you a federal right to buy any Medigap plan without underwriting. Confirm the event, eligible plans, and deadline with Medicare, your state insurance department, or SHIP.

Medicare Advantage trial rights

A person who drops Medigap to try Medicare Advantage for the first time generally has one 12-month trial period to return to Original Medicare and regain certain Medigap rights. The precise right can depend on whether the original insurer still sells the policy and on state law. Before dropping Medigap, obtain a written explanation of your return rights.

Switching Medigap plans or carriers

There is generally no federal annual right to switch freely from one Medigap plan or carrier to another. Outside a protected enrollment or guaranteed-issue period, an insurer may use medical underwriting, charge more, restrict your choices, or deny the application.

Medicare’s annual Open Enrollment Period—October 15 through December 7—is often confused with Medigap enrollment. That annual period concerns Medicare Advantage and Part D choices; it does not create a general federal annual right to buy or change Medigap.

Pre-existing-condition waiting periods

During initial Medigap enrollment, a policy may in limited circumstances impose a waiting period of up to six months for pre-existing conditions. Prior creditable coverage may reduce or eliminate it. Guaranteed-issue purchases generally cannot impose that waiting period. Ask the insurer to state any waiting period and how prior coverage will be credited.

Under-65 Medicare beneficiaries

Federal law generally does not require insurers to sell Medigap policies to people under 65 who qualify for Medicare because of disability or end-stage renal disease. State rules vary widely, and access and pricing may differ before age 65. Check your state’s rules rather than assuming that the standard six-month process applies.

Most Medigap policies are renewable, but premiums are not fixed

Medigap policies are generally renewable as long as you pay the premium, but that does not lock in the price. Limited exceptions, including insurer insolvency and applicable nonrenewal rules, require separate attention. A guaranteed-renewable policy can still become more expensive over time.

State exceptions you must know

Massachusetts, Minnesota, and Wisconsin

Massachusetts, Minnesota, and Wisconsin use different Medigap standardization systems. A national A–N comparison is incomplete for residents of these states:

• Massachusetts: Core, Supplement 1, and Supplement 1A structures.
• Minnesota: Basic and Extended Basic structures, with optional benefit packages.
• Wisconsin: A base plan with optional benefit riders and cost-sharing variations.

Use the official Massachusetts, Minnesota, and Wisconsin benefit pages before comparing policies.

State birthday and anniversary protections

Some states give residents additional opportunities to change Medigap coverage without medical underwriting. For example, California has a birthday-related switching right for an equal- or lesser-benefit policy, while Missouri has an anniversary-period switching rule. These are state-law examples, not nationwide rules. Do not rely on a static list: confirm current rules with your state insurance department or SHIP.

A safe 14-step Medigap shopping process

1. Confirm your coverage route. Decide whether you are using Original Medicare plus Medigap and a separately evaluated Part D plan, rather than Medicare Advantage.
2. Confirm your timing. Record your Part B effective date and determine whether you are inside the six-month Medigap Open Enrollment Period or a guaranteed-issue period.
3. Enter your ZIP code into Medicare’s tool. Use Medicare Plan Compare to identify likely available Medigap insurers and estimated premiums.
4. Choose the letter before the carrier. Decide whether G, N, high-deductible G, K, L, or another plan fits your risk tolerance. Compare G with G and N with N.
5. Get at least three quotes. Use the same applicant information, plan letter, tobacco status, household details, and requested effective date for each quote.
6. Ask for the pricing method. Have the agent or carrier identify whether the policy is community-rated, issue-age-rated, or attained-age-rated.
7. Request discounts in writing. Confirm household, non-smoker, electronic-payment, annual-payment, new-to-Medicare, or group discounts and their conditions.
8. Ask whether underwriting applies. Confirm whether the quote assumes initial open enrollment, guaranteed issue, medical underwriting, a particular health answer, or tobacco use.
9. Check Plan N provider exposure. If considering N, ask your doctors whether they accept Medicare assignment and understand how possible excess charges work.
10. Confirm the policy type. Make sure the quote is ordinary standardized Medigap rather than Medicare SELECT unless you intentionally want the SELECT network rules.
11. Review company evidence. Compare rate-increase history for the same plan and rating class, complaint information, discounts, service reputation, and the financial-strength rating of the actual underwriting company.
12. Calculate total expected annual spending. Include 12 months of Medigap premiums, the $283 Part B deductible if applicable, Plan N copayments or K/L cost sharing, high-deductible G exposure, Part D premiums and drug costs, and expected non-covered services.
13. Apply before canceling. Submit the new application, obtain approval, and confirm the effective date before terminating an existing policy.
14. Use the free-look period carefully. Where applicable, use the 30-day free-look period, pay both premiums temporarily if necessary, and keep written proof of the old policy’s termination and any guaranteed-issue eligibility.

Medicare specifically warns consumers not to cancel their first Medigap policy until they have decided to keep the second one. Free, unbiased help is available from your State Health Insurance Assistance Program, or SHIP; SHIP is not an insurer and does not sell policies. Start through Medicare’s Medigap buying guidance.

How to make the final decision

Choose Plan G first if…

You want broad, predictable coverage, visit providers frequently, want Part B excess-charge protection, and can afford the premium plus the Part B deductible.

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Choose Plan N first if…

The premium savings are meaningful, your doctors accept assignment, you have relatively low utilization, and you can comfortably budget for the copayments and possible excess charges.

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Consider high-deductible G if…

You have at least the financial capacity to handle a possible $2,950 covered-cost-sharing deductible in 2026 and prefer lower fixed premiums over first-dollar protection.

Consider Plan F if…

You were eligible for Medicare before January 1, 2020, can still buy it in your state, and its premium is justified by the additional Part B deductible coverage and your preference for maximum standardized coverage.

Consider K or L if…

You need a lower-premium structure with an annual cost-sharing limit and can tolerate paying 50% or 25% of many covered costs before reaching that limit.

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Choose the carrier only after…

You have compared the same plan letter across several local companies, reviewed pricing method and rate history, verified discounts and underwriting, and confirmed the legal issuer’s financial strength and complaint record.

Frequently Asked Questions

Is Plan G better than Plan N?

Plan G is usually better for predictable bills and Part B excess-charge protection. Plan N usually has a lower premium but permits up to $20 office-visit copayments, up to $50 emergency-room copayments for non-admitted visits, and does not cover Part B excess charges. Compare the annual premium savings with your expected copayments and provider billing practices; Plan N is not automatically cheaper in total.

Is Plan F still available in 2026?

Plan F is generally unavailable to people first eligible for Medicare on or after January 1, 2020. Beneficiaries who were eligible before that date may still be able to buy Plan F, depending on state rules and local availability. Plan F covers the Part B deductible, but its premium may not justify that additional benefit.

Does Medigap cover prescription drugs?

Policies sold after 2005 generally do not include prescription-drug coverage. If you choose Original Medicare and Medigap, separately evaluate a Medicare Part D plan, including its premium, formulary, pharmacy network, and cost sharing.

Can I buy Medigap while enrolled in Medicare Advantage?

Generally no. Medigap is designed to supplement Original Medicare, not Medicare Advantage. If you are considering a move between the two systems, verify your enrollment and guaranteed-issue or trial rights before dropping existing coverage.

Can I change Medigap plans every year during Medicare Open Enrollment?

Generally no. October 15 through December 7 is Medicare’s annual Open Enrollment Period, but it does not create a universal annual right to switch Medigap policies without underwriting. Outside protected enrollment or guaranteed-issue periods, an insurer may charge more, limit choices, or deny an application.

Does Medigap have an out-of-pocket maximum?

Standard Plans A, B, D, F, G, M, and N do not have the K/L-style annual out-of-pocket limit. Plans K and L do: their 2026 limits are $8,000 and $4,000, respectively, after the applicable requirements are met. Premiums, Medicare premiums, Part D costs, and non-covered services are not included in those limits.

What does high-deductible Plan G cost in 2026?

There is no single national premium. The price depends on the insurer, ZIP code, age, tobacco status, rating method, discounts, and enrollment circumstances. The key 2026 figure is the $2,950 deductible for covered Medicare cost sharing. Obtain a local quote and compare the premium saving with your ability to handle that deductible.

Does Medigap cover dental, vision, or hearing aids?

Standard Medigap generally does not cover routine dental, vision, or hearing-aid services. Optional wellness or discount programs offered by a carrier do not change the standardized medical benefits. Review any separate coverage you need.

What happens if my Medigap insurer leaves the market?

Insurer nonrenewal, bankruptcy, or a similar event may create guaranteed-issue rights, but the exact rights and deadlines depend on the event and applicable law. Contact Medicare, your state insurance department, or SHIP promptly, commonly within the applicable 63-day window, and do not let a replacement application lapse.

Can people under 65 buy Medigap?

Federal law generally does not require insurers to sell Medigap to people under 65 who qualify for Medicare because of disability or end-stage renal disease. State rules vary widely, so check your state’s availability, pricing, and enrollment protections.

Is Medicare SELECT worth considering?

SELECT may cost less, but it can require use of specified hospitals and sometimes doctors for full Medigap benefits. It may be worth considering only if the network includes the providers and facilities you use and you accept the restrictions. Confirm the rules before choosing it.

How do I compare Medigap insurers?

First choose the plan letter, then compare at least three local quotes for that same letter. Review the actual premium, pricing method, rate-increase history, discounts, underwriting requirements, complaint information, financial-strength rating of the legal underwriting company, availability, and whether the policy is Medicare SELECT.

Do I need Part D with Medigap?

Medigap generally does not cover prescription drugs. A person using Original Medicare and Medigap should separately evaluate Part D coverage and its costs. Ask SHIP or Medicare for help comparing your prescription coverage options.

What happens if I have Medicaid or retiree coverage?

Do not buy or cancel Medigap based on a generic comparison. Medicaid and employer or union retiree coverage may coordinate with Medicare differently, and the value of Medigap depends on the benefits and eligibility rules of your existing coverage. Ask the Medicaid office or retiree-benefits administrator, Medicare, or SHIP to review the coordination before making a change.

The Bottom Line

Bottom line: Start with Plan G if your priority is broad, predictable Original Medicare coverage. Price Plan N if you can accept copayments and verify that your doctors accept Medicare assignment. Consider high-deductible G only if a $2,950 2026 deductible is comfortably affordable, and consider K or L if you specifically want an annual cost-sharing limit. Plan F remains a maximum-coverage option only for people eligible under the pre-2020 rules.

For the insurer, ignore universal winner claims. Compare the same plan letter from several companies in your ZIP code, including the pricing method, rate history, discounts, complaint record, financial strength, and underwriting rules. If you are replacing existing Medigap coverage, obtain approval and confirm the new policy is active before canceling the old one.

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