Medigap plans, A through N
Medicare Supplement benefits are set by federal law, not by the carrier. Plan G from a household-name insurer pays exactly what Plan G from a company you have never heard of pays. What differs is the premium, the rate-increase history, and how the company behaves when you file a claim.
Plan A
The federal floor. Every Medigap issuer must offer it.
Plan B
Plan A plus the Part A hospital deductible.
Plan C
Closed to people newly eligible in 2020 or later.
Plan D
Plan G's benefits without excess-charge coverage.
Plan F
The old first-dollar plan. Closed to newly eligible since 2020.
High-Deductible Plan F
Plan F behind an annual deductible. Closed to newly eligible.
Plan G
The most comprehensive plan still open to new enrollees.
High-Deductible Plan G
Plan G behind an annual deductible, for a much lower premium.
Plan K
Cost-sharing plan with an annual out-of-pocket limit.
Plan L
Plan K at a higher coverage share and a lower annual limit.
Plan M
Splits the Part A deductible with you.
Plan N
Lower premium than Plan G, with small copays at the point of care.
What Medicare itself costs this year
Every plan letter below is defined by which of these it picks up for you.
| What it is | 2026 | 2025 | Change |
|---|---|---|---|
| Part B standard monthly premiumWhat most people pay for Part B. Higher earners pay more, based on income reported to the IRS. | $202.90 | $185 | up $17.90 (9.7%) |
| Part B annual deductibleThe figure that separates Plan G from Plan F: Plan G covers everything Plan F does except this. | $283 | $257 | up $26 (10.1%) |
| Part A hospital deductiblePer benefit period, not per year — you can owe it more than once in a calendar year. Every Medigap plan except Plan A covers at least part of it. | $1,736 | $1,676 | up $60 (3.6%) |
2026 amounts announced by CMS on 2025-11-14, read 2026-08-30: 2026 Medicare Parts A & B Premiums and Deductibles. These change every year and are set by Medicare, not by any insurance company — no Medigap policy alters them. Confirm the current amount at Medicare.gov before relying on it.
Three states are different
Massachusetts, Minnesota and Wisconsin standardize Medicare Supplement coverage their own way and do not use the A–N letters. If you live in one of them, the plan letters on this page do not describe what is for sale where you are.