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MyMedigapRate

Medigap Plan N

Lower premium than Plan G, with small copays at the point of care.

Plan N covers the same ground as Plan G except that you pay the Part B deductible, a small copay for some office and emergency-room visits, and any Part B excess charges your provider bills. In states that prohibit excess charges, that last exposure disappears — which is why Plan N's value depends heavily on where you live.

What you still pay

  • The Part B annual deductible
  • A copay for some office and emergency-room visits
  • Part B excess charges, where a state permits 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 N 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 N 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.

Plan N rate history by state

All states →

Other plans

  • 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.