Medicare Supplement Plans 2026
Updated deductibles, out-of-pocket maximums, and what's changed for Medigap plans in 2026.
Key 2026 Medicare Cost Numbers
CMS adjusts Medicare cost-sharing amounts annually. These changes directly affect what Medigap plans cover and what you pay out of pocket.
Plans that cover Part A deductible (B, C, D, F, G, M, N, HD-F, HD-G) now cover $60 more per hospital admission.
Plans C and F cover this. All others require you to pay $283 before Part B coverage begins.
HD-G and HD-F enrollees must pay $2,950 before plan coverage begins.
Plan K enrollees have a higher cap before 100% coverage kicks in.
Plan L enrollees have a higher OOP cap in 2026.
Plans that cover SNF coinsurance (C, D, F, G, M, N, HD-F, HD-G) cover this increased daily rate.
What Changed for Medigap in 2026
Plan F Still Unavailable to New Enrollees
Plan F and Plan C remain unavailable to anyone who became eligible for Medicare after January 1, 2020. This rule has not changed for 2026.
Plan G Remains the Top Choice
Plan G continues to be the most popular Medigap plan for new enrollees, offering comprehensive coverage with only the Part B deductible as an out-of-pocket cost.
High Deductible Plans Growing in Popularity
HD-G has seen increased enrollment as premiums for standard Plan G have risen. The $2,950 deductible is manageable for healthy enrollees who save significantly on monthly premiums.
Premium Increases Vary by Insurer
Medigap premiums are not standardized - each insurer sets its own rates. Premium increases in 2026 ranged from 0% to 8%+ depending on the carrier and state. Shopping and comparing quotes remains essential.
Most Popular Medigap Plans in 2026
$100–$300/mo/mo
The most popular plan for new enrollees. Covers everything except the Part B deductible. No networks, no referrals.
Learn More$75–$225/mo/mo
Lower premiums than Plan G with small copays for office and ER visits. Best for healthy enrollees.
Learn More$30–$80/mo/mo
Same coverage as Plan G after a $2,950 deductible. Dramatically lower premiums for healthy enrollees.
Learn More2026 Premium Trends
Medigap premiums are set by individual insurance companies and vary significantly by state, age, gender, and tobacco use. In 2026, premium increases ranged from modest (0–3%) to significant (6–8%+) depending on the carrier and plan letter.
- Plan G premiums increased 3–6% on average across most states
- Plan N saw smaller increases due to its cost-sharing structure
- HD-G premiums remained relatively stable, making it increasingly attractive
- Older Plan F enrollees saw some of the steepest increases as the risk pool ages
The same Plan G can vary by 50% or more between insurers in the same zip code. Comparing quotes annually is the most effective way to control your Medigap costs.
Compare 2026 Medigap Rates
Our licensed Medicare agents compare 2026 rates from multiple carriers at no cost to you. Find the best plan for your needs and budget.