Medicare Supplement Comparison Chart 2027: Medigap Plans A to N

Reviewed November 5, 2026. A Medicare Supplement comparison chart shows which of the 10 standardized Medigap plans (A, B, C, D, F, G, K, L, M and N) pay each cost Original Medicare leaves behind. Because the plans are standardized, a Plan G from one company has the same benefits as a Plan G from any other; only the price and service differ. For 2027, the main changes are the Plan K and L out-of-pocket limits ($8,360 and $4,180) and the high-deductible Plan F and G deductible ($3,050).

Quick answer: Plan G is the most complete plan most new enrollees can buy: it covers everything in the chart except the Part B deductible. Plan N costs less but has copays of up to $20 for some office visits and up to $50 for some ER visits. Plans C and F aren’t sold to people new to Medicare on or after January 1, 2020. Use the chart below, then compare prices for the same letter.

Medicare Supplement comparison chart 2027

What changed for 2027

After you reach the Plan K or L out-of-pocket limit and pay the yearly Part B deductible, the plan pays 100% of covered services for the rest of the calendar year. With a high-deductible plan you pay Medicare-covered costs up to the deductible before the policy pays anything.

The 2026 Original Medicare costs Medigap helps pay

These are the gaps the chart refers to, using CMS’s 2026 figures until the 2027 amounts are out (CMS):

• Part A deductible: $1,736 per benefit period
• Hospital days 61–90: $434 a day; lifetime reserve days $868 a day
• Skilled nursing facility days 21–100: $217 a day
• Part B deductible: $283 a year, then usually 20% coinsurance
• Part B standard premium: $202.90 a month (Medigap doesn’t pay premiums)

Plan-by-plan highlights

• Plan G: covers every gap except the Part B deductible, including Part B excess charges. It’s the most popular choice for new enrollees. See Plan G vs Plan N and Plan G vs high-deductible Plan G.
• Plan N: lower premium in exchange for small copays and no coverage of Part B excess charges. Read Plan N excess charges explained.
• Plan F and Plan C: also pay the Part B deductible, but you can only buy them if you were eligible for Medicare before January 1, 2020.
• Plans K and L: pay 50% or 75% of most gaps and cap your yearly costs at $8,360 or $4,180 in 2027.
• Plans A, B, D and M: fewer benefits than Plan G, and less commonly sold.

How to use the chart to choose a plan

1. Decide which gaps matter most to you, such as hospital stays, the Part B 20% or excess charges.
2. Pick a letter from the chart.
3. Compare prices for that same letter. Medicare.gov says each company decides how to price its policies and premiums typically increase each year (Medicare.gov: Medigap costs). Ask whether a policy is community-rated, issue-age-rated or attained-age-rated (Choosing a Medigap policy).
4. Use Medicare’s Medigap policy search to see which companies sell plans in your ZIP code, then get quotes.
5. Buy during your Medigap Open Enrollment Period, the 6 months that start the first day of the month you’re 65 or older and signed up for Part B. After that, your options may be limited and the policy may cost more (Medicare.gov: when to buy).

Typical prices are in how much Medicare Supplement plans cost per month. To compare carriers, see AARP Medicare Supplement plans 2027, ACE (Chubb) Medicare Supplement and how to spot the worst Medicare Supplement companies.

States that use a different chart

Medicare.gov says Medigap policies are standardized in a different way in Massachusetts, Minnesota and Wisconsin (Medicare.gov: Medigap basics). If you live in one of those states, use that state’s own benefit chart on Medicare.gov.

Frequently asked questions

What is the best Medicare Supplement plan for 2027?

There isn’t one best plan for everyone. Plan G covers the most for people new to Medicare, Plan N trades a lower premium for copays, and Plans K and L cap costs at $8,360 and $4,180 in 2027. Compare the same letter across companies, since benefits are identical.

Do all companies offer the same Plan G?

Yes. Medicare.gov says policies with the same letter offer the same basic benefits no matter where you live; price is the only difference. Customer service and rate history can differ too.

Can I still buy Medigap Plan F?

Only if you were eligible for Medicare before January 1, 2020. People new to Medicare on or after that date can’t buy Plan C or Plan F.

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

$3,050, up from $2,950 in 2026, according to CMS. The same amount applies to high-deductible Plan F.

Does Medigap cover prescription drugs, dental or vision?

No. Medigap policies sold today don’t cover prescription drugs, so you’d add a Part D plan, and they don’t cover routine dental, vision or hearing. If you want those extras, compare Medigap and Medicare Advantage.

This article is general information, not insurance advice. Medicare365 is an independent website and is not affiliated with or endorsed by any insurance company or U.S. government agency. Check plan details with the insurer or 1-800-MEDICARE (1-800-633-4227).

Sources

• Medicare.gov: Compare Medigap plan benefits
• CMS: Getting started with Medicare Supplement Insurance (11575, PDF)
• CMS: Choosing a Medigap policy (02110, PDF)
• CMS: 2027 out-of-pocket limits for Medigap Plans K and L (PDF)
• CMS: 2027 Medigap high-deductible options F, G and J (PDF)
• CMS: 2026 Medicare Parts A and B premiums and deductibles
• Medicare.gov: When can I buy Medigap?
• Medicare.gov: Medigap costs