Best Medicare Supplement Plans for 2026
Expert-ranked comparison of Medigap Plan G, Plan N, Plan F, and High-Deductible Plan G. Find the right balance of coverage and cost.
Top Medigap Plans Ranked
Plan G
Most Popular$283 Part B deductible
The gold standard of Medigap. Plan G covers everything except the Part B deductible ($283/year). After paying that small deductible, you have virtually zero out-of-pocket costs for the rest of the year. Plan G has been the most popular Medigap plan since Plan F closed to new enrollees in 2020.
Best For:
Most Medicare beneficiaries who want comprehensive, predictable coverage
Pros:
Cons:
Plan N
Best Value$283 Part B deductible + small copays
Plan N offers strong coverage at a lower premium than Plan G. The trade-off: you pay small copays for office visits ($20) and ER visits ($50 if not admitted), and Plan N doesn't cover Part B excess charges. For most people, the premium savings outweigh these small copays.
Best For:
Budget-conscious beneficiaries who want strong coverage at a lower premium
Pros:
Cons:
Plan F
Most Comprehensive$0 — everything covered
Plan F covers everything — literally zero out-of-pocket costs after your premium. However, it's only available to people who became Medicare-eligible before January 1, 2020. Because the pool is shrinking (no new enrollees), premiums tend to increase faster than Plan G.
Best For:
Those eligible before 2020 who want absolute zero out-of-pocket costs
Pros:
Cons:
High-Deductible Plan G
Lowest Premium$2,950 annual deductible (2026)
High-Deductible Plan G has the same benefits as regular Plan G, but with a much lower premium. The catch: you pay a $2,950 annual deductible before the plan kicks in. After the deductible, coverage is identical to Plan G. This is a good option for healthy people who want catastrophic protection.
Best For:
Healthy beneficiaries who want low premiums with catastrophic protection
Pros:
Cons:
Benefits Comparison Table
| Benefit | Plan G | Plan N | Plan F* | HD Plan G |
|---|---|---|---|---|
| Part A Coinsurance & Hospital Costs | ||||
| Part B Coinsurance/Copayment | 75% | |||
| Part A Deductible ($1,736) | ||||
| Part B Deductible ($283) | ||||
| Part B Excess Charges | ||||
| Blood (First 3 Pints) | ||||
| Skilled Nursing Facility Coinsurance | ||||
| Foreign Travel Emergency (80%) | ||||
| Part A Hospice Coinsurance |
*Plan F only available to those Medicare-eligible before January 1, 2020
Frequently Asked Questions
Get Your Personalized Medigap Quote
Medigap rates vary by company, age, location, and gender. Our licensed agents compare rates from top carriers to find you the best price for the same standardized benefits.