MyMedigapRate is a Medicare Supplement research resource operated by an independent, licensed insurance agency. We are not connected with or endorsed by the United States government or the federal Medicare program.

MyMedigapRate

Medigap Plan A

The federal floor. Every Medigap issuer must offer it.

Plan A is the minimum standardized benefit package. Every carrier that sells Medigap in a state has to offer it, which makes it a useful yardstick for comparing one carrier's pricing posture against another's — but it leaves the Part A deductible and the Part B deductible with you.

What you still pay

  • The Part A hospital deductible
  • The Part B annual deductible
  • Skilled nursing facility coinsurance
  • Excess charges where a state allows them

The Medicare amounts behind those items

Medigap plans are described in terms of Medicare’s own deductibles and coinsurance, so the plan only means something once you know what those are. These are set by Medicare and change every year; no policy you buy changes them.

Official Medicare amounts for 2026, against 2025
What it is20262025Change
Part B standard monthly premiumWhat most people pay for Part B. Higher earners pay more, based on income reported to the IRS.$202.90$185up $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$257up $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$1,676up $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.

Who can buy it

Plan A is open to anyone eligible for Medicare Supplement coverage, including people who became eligible for Medicare recently. Whether a carrier will accept you outside your open enrollment window depends on your state’s rules and on medical underwriting.

Why the same plan costs different amounts

Because the benefits are fixed, price is the variable. Three things move it: the carrier’s underwriting and claims experience on its Plan A block in your state, the rating method it uses, and how long the block has been open. A carrier that entered a market cheaply and then filed steep increases on the same block is doing something visible in the public record — which is what we go looking for.

Rate history for Plan A

Plan A is too thinly sold in most markets to support a per-state rate-history page — in many states only one or two carriers file on it, and a trend line drawn through one filing is not a trend. We track the four blocks with enough competing filings to read honestly: Plan G and Plan N.

Other plans

  • 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.