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Best Medicare Supplement Plans for 2027: Plan G, Plan N and More

By Brian Monahan Updated November 6, 2026

Reviewed November 6, 2026. For most people new to Medicare in 2027, the best Medicare Supplement plans are Plan G, Plan N and High-Deductible Plan G, because Plan F and Plan C are closed to anyone who became eligible for Medicare on or after January 1, 2020. Plan G covers everything Original Medicare leaves except the Part B deductible; Plan N trades small copays for a lower premium; and High-Deductible Plan G has a $3,050 deductible in 2027 in exchange for the lowest premiums.

Quick answer: Medigap plans are standardized, so a Plan G from one company has the same benefits as a Plan G from another. The real choice is which plan letter fits your budget and health, then which company charges a fair price with a stable rate history. Buy during your 6-month Medigap Open Enrollment Period, when insurers can’t turn you down or charge more for health problems.

Best Medicare Supplement plans for 2027 compared

Plan	Best for	What you pay besides the premium
Plan G	People who want nearly full coverage and predictable costs	Only the Part B deductible ($283 in 2026; 2027 not yet published)
Plan N	Healthy people who see doctors a few times a year and want a lower premium	Part B deductible, up to $20 per office visit, up to $50 for ER visits that don’t lead to admission, and Part B excess charges
High-Deductible Plan G	People who can afford a large bill in a bad year and want the lowest premium	Everything up to the $3,050 deductible in 2027 ($2,950 in 2026), then the plan pays like Plan G
Plan F	Only people eligible for Medicare before January 1, 2020	Nothing for Medicare-covered care (high-deductible version: $3,050 in 2027)
Plan K / Plan L	Budget buyers who want a cap on spending	50% (K) or 25% (L) of many costs, up to an out-of-pocket limit of $8,360 (K) or $4,180 (L) in 2027

Sources: CMS: CY2027 high-deductible F, G and J, CMS: CY2027 Plan K and L limits, Medicare.gov: compare Medigap plan benefits and CMS: 2026 Part A and B premiums and deductibles.

For all ten plans side by side, see our Medicare Supplement comparison chart for 2027.

What Original Medicare leaves you to pay

Medigap fills gaps in Original Medicare. CMS had not published 2027 Part A and Part B amounts when this page was reviewed (Medicare & You 2027 says the 2027 premium amounts “weren’t available at the time of printing”; CMS usually announces them in mid-November). The 2026 amounts are:

Part B standard premium: $202.90 a month (2026)
Part B deductible: $283 (2026), then usually 20% coinsurance with no yearly cap
Part A inpatient hospital deductible: $1,736 per benefit period (2026)

That unlimited 20% coinsurance is the main reason people buy a Medigap plan. We will update these figures when CMS releases the 2027 amounts.

Plan G: the most complete plan for new enrollees

Plan G pays the Part A deductible, Part A and B coinsurance, Part B excess charges, skilled nursing coinsurance, the first three pints of blood, hospice coinsurance and 80% of emergency care abroad (up to plan limits). After you pay the Part B deductible, you generally owe nothing more for Medicare-covered care. Because benefits are standardized, compare Plan G premiums across companies; see how much Medicare Supplement plans cost per month.

Plan N: lower premium with small copays

Plan N covers the same core gaps as Plan G except the Part B deductible and Part B excess charges, and it lets you pay “up to $20” for some office visits and “up to $50” for emergency room visits that don’t result in an inpatient admission. If your doctors accept Medicare assignment, excess charges are not a concern. Compare the two in Plan G vs Plan N and read about Plan N excess charges.

High-Deductible Plan G: lowest premium, more risk

CMS says, “Effective January 1, 2027, the annual deductible amount for these three plans is $3,050” (high-deductible F, G and J). Once you’ve paid $3,050 in Medicare-covered costs, the plan works like Plan G for the rest of the year. It suits people who are healthy and have savings to cover the deductible. See Plan G vs High-Deductible Plan G.

Plan F: only if you were eligible before 2020

Medicare says, “Plans C and F aren’t available to people new to Medicare on or after January 1, 2020” (Getting started with Medigap). If you were eligible earlier, you can keep or buy Plan F, which also pays the Part B deductible. Because the Plan F pool is closed to new, younger enrollees, compare its premium with Plan G plus the Part B deductible before staying.

Plans K and L: built-in spending caps

Plans K and L pay a share of costs (50% and 75%) and cap your yearly spending. CMS says, “The 2027 out-of-pocket (OOP) limits for Medigap plans K & L are $8,360 and $4,180, respectively,” up from $8,000 and $4,000 in 2026. They cost less than Plan G but leave more cost-sharing on you until the cap.

How to pick the best Medicare Supplement plan for you

Buy during your Medigap Open Enrollment Period. “This 6-month period starts the first month you have Medicare Part B, and you’re 65 or older.” Outside it, “there’s no federal guarantee that an insurance company will sell you a Medigap policy,” and you may pay more because of health problems (Medicare.gov). Some states have extra protections.
Pick the plan letter first. Estimate a typical year and a bad year: premium plus what you’d pay out of pocket under G, N and High-Deductible G.
Compare companies on price and rate history. Ask how the policy is priced (community-rated, issue-age-rated or attained-age-rated) and how much rates have risen in recent years. See warning signs to check before buying.
Add a Part D plan. Medigap doesn’t cover outpatient prescriptions; see how to choose a Part D plan for 2027.
Check your state’s rules. “In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.”

Looking at specific companies? Read our reviews of AARP Medicare Supplement plans for 2027 and ACE (Chubb) Medicare Supplement.

Medigap vs Medicare Advantage

Medigap works only with Original Medicare: you can see any doctor in the U.S. who accepts Medicare, with no network or referrals, but you pay a monthly premium and buy Part D separately. Medicare Advantage plans often have low premiums and extra benefits such as dental, vision and OTC cards, but use networks and have yearly out-of-pocket maximums instead of near-total coverage. You can’t use a Medigap policy with a Medicare Advantage plan. If you leave Medigap for Medicare Advantage, you may not be able to buy a Medigap policy again later without health questions.

Frequently asked questions

What is the best Medicare Supplement plan for 2027?

For most people new to Medicare, Plan G, because it covers all Medicare-approved costs except the Part B deductible. Plan N is a good lower-premium alternative, and High-Deductible Plan G ($3,050 deductible in 2027) has the lowest premiums.

Is Plan G better than Plan N?

Plan G covers more (excess charges and no office copays). Plan N costs less each month. If the yearly premium difference is larger than the copays you expect, Plan N may save money.

Can I still buy Medigap Plan F in 2027?

Only if you were eligible for Medicare before January 1, 2020.

What is the high-deductible Plan G deductible for 2027?

$3,050, up from $2,950 in 2026, according to CMS.

When is the best time to buy a Medigap plan?

During your 6-month Medigap Open Enrollment Period, which starts the first month you have Part B and are 65 or older. Medigap isn’t tied to the fall Open Enrollment period.

This article is general information. Medicare365 is an independent website and is not affiliated with or endorsed by Medicare, CMS or any insurance company. Premiums vary by company, location, age and pricing method; check plan details before you buy.