Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 27, 2026
Medicare Supplement (Medigap) plans help pay costs Original Medicare leaves behind, like deductibles and coinsurance. For 2027, the most popular choices for new enrollees are Plan G, Plan N and High-Deductible Plan G.
Medigap plans are standardized by letter, so a Plan G from one insurer has the same benefits as a Plan G from any other. What differs is the price, which depends on the insurer, your age, your ZIP code and whether you use tobacco.
2027 update (October 27, 2026): Annual Enrollment is open now through December 7, 2026, and coverage you choose starts January 1, 2027. About 3.2 million people in individual Medicare Advantage plans must pick new coverage for 2027 because their plan is ending. If your Medicare Advantage plan ends on December 31, 2026, you generally have a guaranteed issue right to buy certain Medigap plans, including Plan G, with no health questions until 63 days after that coverage ends.
High-Deductible Plan G (and Plan F, for those eligible before 2020) has a $3,050 deductible for 2027, up from $2,950. Plans C and F remain available only to people first eligible for Medicare before January 1, 2020.
Part B costs $202.90 a month in 2026 with a $283 deductible. The Medicare Trustees project about $209.50 and $292 for 2027; CMS typically announces the final amounts in November.
Premiums keep climbing: early 2026 rate filings from Aetna, Blue Cross Blue Shield companies, Cigna, Humana, Mutual of Omaha and UnitedHealthcare showed Plan G increases from just over 12% to more than 26%, according to Telos Actuarial data reported by KFF Health News. Compare insurers and pricing methods, not just this year’s price.
✔ Based on CMS 2027 data
✔ Free plan comparison
