Estimates Only: Medigap premiums vary significantly by insurance company, your ZIP code, age, and tobacco use. The ranges shown are typical national estimates. Always compare actual quotes from licensed insurers in your state.
Medigap Premium Estimator — 2026
Estimated Monthly Premium Range
per month · estimates only · varies by insurer & location
Plan TypePlan G
Monthly Estimate (low)$100.00
Monthly Estimate (high)$200.00
Annual Estimate (midpoint)~$1,800
Part B Deductible Covered?No ($283 you pay)
Part A Deductible Covered?Yes (100%)
Part B Excess Charges?Yes (100%)
Skilled Nursing Coinsurance?Yes (100%)
Medigap Plan Comparison — 2026
All standardized Medigap plans available to new Medicare enrollees in 2026. Plans C and F are not available to beneficiaries who turned 65 after January 1, 2020.
| Benefit | Plan A | Plan B | Plan D | Plan G | Plan K | Plan L | Plan M | Plan N |
|---|---|---|---|---|---|---|---|---|
| Part A coinsurance & hospital costs | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
| Part B coinsurance or copayment | ✅ | ✅ | ✅ | ✅ | 50% | 75% | ✅ | ✅* |
| Blood (first 3 pints) | ✅ | ✅ | ✅ | ✅ | 50% | 75% | ✅ | ✅ |
| Part A hospice coinsurance | ✅ | ✅ | ✅ | ✅ | 50% | 75% | ✅ | ✅ |
| Skilled nursing facility coinsurance | — | — | ✅ | ✅ | 50% | 75% | ✅ | ✅ |
| Part A deductible ($1,736) | — | ✅ | ✅ | ✅ | 50% | 75% | 50% | ✅ |
| Part B deductible ($283) | — | — | — | — | — | — | — | — |
| Part B excess charges | — | — | — | ✅ | — | — | — | — |
| Foreign travel emergency | — | — | 80% | 80% | — | — | 80% | 80% |
| Est. Monthly Premium (age 65) | $70–$110 | $80–$130 | $90–$155 | $100–$200 | $45–$75 | $65–$105 | $80–$140 | $80–$150 |
| OOP Limit (2026) | None | None | None | None | $7,220 | $3,610 | None | None |
* Plan N has copays of up to $20 for office visits and up to $50 for ER visits. Premiums are estimates; verify with licensed agents in your state.
Medigap FAQs — 2026
Medigap (Medicare Supplement Insurance) is private insurance that covers costs Original Medicare doesn't pay — like the 20% Part B coinsurance, Part A hospital deductibles, and skilled nursing facility coinsurance. Without Medigap, there's no annual cap on what you pay under Original Medicare alone, meaning a serious illness could cost you tens of thousands of dollars. Medigap provides financial predictability. It's most valuable for people who use healthcare frequently, see specialists regularly, or want protection against catastrophic costs.
The best time to buy Medigap is during your 6-month Medigap Open Enrollment Period, which begins the month you are both age 65 or older AND enrolled in Part B. During this window, insurers cannot deny coverage or charge higher premiums based on health conditions (guaranteed issue rights). After this window closes, you can still buy Medigap in most states, but insurers can medically underwrite — meaning they can charge more or deny you coverage based on your health history. Some states have additional protections.
Outside of your guaranteed issue window, switching Medigap plans typically requires passing medical underwriting in most states (except Connecticut, Massachusetts, Minnesota, New York, and a few others with additional protections). Even within the same company, upgrading to a more comprehensive plan may require medical review. Some people "lock in" Plan G early to avoid underwriting risk later. Always consult a licensed insurance broker before switching plans.
No. Medigap plans only work alongside Original Medicare (Parts A and B). They cannot be used with Medicare Advantage plans. If you switch from Original Medicare to a Medicare Advantage plan, your Medigap policy becomes useless — it won't cover your Advantage plan's cost-sharing. If you later want to return to Original Medicare and get Medigap, you may have to pass medical underwriting depending on your state.
Since Medigap benefits are standardized by law (all Plan G policies have identical coverage regardless of insurer), you should comparison shop purely on price, insurer financial strength, and premium rate history. Prices for the same plan can vary by 30–50% between insurers. Use Medicare's official Medigap plan finder at medicare.gov, work with a licensed independent broker, or contact your State Health Insurance Assistance Program (SHIP) for free counseling.
Disclaimer: MedicareBudget provides Medicare cost calculators and educational information for informational purposes only. Medigap premium estimates are approximations only and vary significantly by insurer, state, age, and health status. Always verify with licensed insurers or a SHIP counselor. Not affiliated with Medicare.gov or CMS. Contact: [email protected]