Medigap

Medigap plans A through N.

Medigap plans are standardized by federal law and labeled with letters: A, B, D, G, K, L, M, and N (plans C and F are closed to people new to Medicare since 2020). Plan G is the most comprehensive available to new enrollees — it covers everything Original Medicare leaves except the small Part B annual deductible ($246 in 2026). Plan N is similar with small copays for office visits and ER, in exchange for a lower premium. Plans K and L cap your annual out-of-pocket spending at lower premiums than G.

The standardization rule

Every Medigap plan with the same letter—say, Plan G—covers the identical set of benefits, by federal law, regardless of which carrier sells it. So if Plan G from Carrier A is $145/month and Plan G from Carrier B is $190/month, you're paying $45/month more for the exact same coverage.

This is the biggest reason to use an independent broker. We compare prices across all the carriers in your zip code—and the lowest price for the same plan letter is the obvious winner.

The most popular plans today

Plan G — the gold standard for new enrollees

Covers everything except the small Part B annual deductible ($283 in 2026). After you pay that once a year, Medicare + Plan G covers virtually all of your Part A and Part B costs.

• $0 hospital deductible
• $0 hospital coinsurance
• $0 Part B coinsurance (the 20%)
• $0 skilled nursing coinsurance
• $0 hospice coinsurance
• Foreign travel emergency
• You pay: the $283 Part B deductible per year



Typical CA premium at 65: $130–$220/month.

Plan N — popular for people willing to pay small copays

Like Plan G, but you pay a small copay at office visits and ER visits.



• Same hospital coverage as Plan G
• You pay: Up to $20 office visit copay, up to $50 ER copay (waived if admitted), the Part B deductible, and any "excess charges" (rare)

Typical CA premium at 65: $95–$160/month. Significantly cheaper than Plan G if you don't visit doctors often.

High-Deductible Plan G

Plan G coverage, but only after you pay a $2,950 annual deductible (2026). Premium is much lower.

• Typical CA premium at 65: $50–$80/month
• Best for people in good health who want catastrophic coverage at a low premium
• If you have a big medical year, you pay the $2,950 deductible—then everything else is covered
  

Older plans (still around but no longer sold to new enrollees)

If you're already on Plan F or Plan C, you can keep it. But Plan G is generally the better value for new enrollees today.

Picking a plan in 3 questions

1. Do you want full coverage with no copays? Plan G.
2. Are you willing to pay small copays for a lower premium? Plan N.
3. Are you healthy and want catastrophic-only? High-Deductible Plan G.



Then we compare carrier prices in your zip code for that letter and the cheapest one wins. We'll run the comparison for you at no cost.

Talk to a licensed agent—no cost, no pressure.

30-minute call. We'll review your situation, compare plans available in your area, and answer your questions. No obligation, ever.