Medigap Plan Comparison Tool 2026: Plan G vs. Plan N
Figures last verified against official sources in July 2026.
Quick Answer
Medigap Plan G is the gold standard for new enrollees, covering 100% of out-of-pocket medical costs after a $240/yr Part B deductible. Plan N offers 25% lower monthly premiums in exchange for $20 doctor visit copays. All Medigap plans are federally standardized — benefits are identical regardless of which insurance carrier sells them.
With 10 standardized Medigap plan letters (A, B, C, D, F, G, K, L, M, N), choosing the right Medicare Supplement policy can feel confusing. We built this tool to let seniors compare the top plans (G, N, A, F) side-by-side without entering their email address or dealing with aggressive insurance brokers.
- Seniors approaching age 65 choosing a Medicare Supplement policy during their Open Enrollment window.
- Beneficiaries deciding between Plan G (full coverage after deductible) vs. Plan N (lower premium + copays).
- Existing Medicare enrollees evaluating their current supplement plan benefits.
Medigap Plan Comparison Tool 2026
Select a Medigap plan (Plan G, N, A, or F) to view an itemized breakdown of covered benefits, copays, and premium estimates.
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How to Use This Tool — Step by Step
- Select a Medigap plan. Choose Plan G, Plan N, Plan A, or Plan F from the dropdown menu.
- Enter your age. Input your age to generate an estimated average monthly premium figure.
- Click "Inspect Plan Benefits & Costs." Review the breakdown of covered deductibles, excess charges, and copay rules.
💡 Pro Tip
Because Medigap Plan G benefits are 100% identical across all insurance carriers by federal law, shop primarily on monthly premium price and the insurer's annual rate increase history. Official Medigap guidelines are at medicare.gov/supplements-other-insurance.
Official Government Sources Used in This Tool
| Source Name | What We Used It For | Direct Link |
|---|---|---|
| CMS Choosing a Medigap Policy 2026 Guide | Official standardized Medigap benefit chart (Plans A–N), guaranteed issue rules, and MACRA Plan F restrictions | CMS Medigap Guide (PDF) |
Seniors Audit is an independent educational platform. We are not affiliated with, endorsed by, or connected to CMS or any insurance company.
Frequently Asked Questions About Medigap Plans
What is the most popular Medigap plan in 2026?
Medigap Plan G is the most popular Medicare Supplement plan for new enrollees. It covers 100% of all Medicare-approved doctor, hospital, and outpatient costs after you pay the small annual Part B deductible ($240 in 2026).
What is the difference between Medigap Plan G and Plan N?
Plan G covers 100% of doctor coinsurance and Part B excess charges (after the $240 Part B deductible). Plan N has ~25% lower monthly premiums than Plan G, but requires up to a $20 copay per doctor visit, a $50 ER copay, and does not cover rare Part B excess charges.
Why can newly eligible Medicare enrollees no longer buy Medigap Plan F?
Under federal law (the MACRA Act of 2015), Medigap plans that cover the Part B deductible (Plan F and Plan C) cannot be sold to anyone who became eligible for Medicare on or after January 1, 2020. If you were eligible before 2020, you can keep or buy Plan F.
Are Medigap benefits standardized across different insurance companies?
Yes. By federal law, a Medigap Plan G from Company A offers the exact same medical benefits as a Medigap Plan G from Company B. The only difference is the monthly premium price, customer service reputation, and rate increase history.
When is the best time to buy a Medigap policy?
The best time to buy Medigap is during your 6-month Medigap Open Enrollment Period, which begins the first month you are age 65 or older AND enrolled in Medicare Part B. During this window, insurance companies cannot deny you coverage or charge higher premiums due to pre-existing health conditions.
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About This Educational Estimate: This tool is for educational purposes only. Seniors Audit uses the official formulas published by the relevant government agency, but results are estimates based on the information you entered. Rules, rates, and eligibility thresholds change annually and vary by individual circumstance.
If you have Medicare questions, a free SHIP counselor in your state can review your specific situation at no cost — find yours at shiphelp.org.
Seniors Audit is independent and not affiliated with any government agency or insurance company. We are not affiliated with, endorsed by, or connected to any government agency, insurance company, or financial services firm. All calculations use the official formulas and current figures published by the agencies listed above. We do not receive payment for referrals, leads, or any action taken by visitors to this site.