Best Medicare Supplement Plans, 2026
Medicare Supplement (Medigap) plans are standardized by letter — Plan G, Plan N, Plan F, and so on — and each letter offers the same set of benefits no matter which insurance company sells it. Here's what the most common plans actually cover in 2026.
Common Plan Letters
The Most Widely Chosen Plans
Plan G
Most Comprehensive (New Enrollees)
The most comprehensive Medigap plan available to people newly eligible for Medicare. It covers nearly all the gaps left by Original Medicare — coinsurance, copays, and deductibles — except for the annual Part B deductible, which you pay out of pocket first.
Plan N
Lower Premium, Small Copays
Typically has a lower monthly premium than Plan G in exchange for small copays — usually up to $20 for an office visit and up to $50 for an emergency room visit that doesn't result in admission. A reasonable option for people comfortable with modest, predictable copays.
Plan F
Legacy Plan (Pre-2020 Eligibility Only)
The most complete Medigap plan ever offered, covering the Part B deductible along with everything Plan G covers. It is only available to people who were eligible for Medicare before January 1, 2020. If you already have it, you generally can keep it.
High-Deductible Plan G
Lower Premium, Higher Deductible
Offers the same coverage as standard Plan G, but only after you meet a higher annual deductible first. Premiums are lower to reflect that tradeoff — a fit for people who want catastrophic protection but can handle more cost-sharing early in the year.
Why the Letter Matters More Than the Company
Same Letter, Same Benefits, by Law
Federal and state regulations require every insurance company selling a standardized Medigap plan — like Plan G — to offer identical core benefits. A Plan G policy from one insurer covers exactly the same things as a Plan G policy from any other insurer.
That means the only meaningful difference between carriers offering the same plan letter is price. Comparing quotes for "Plan G" across different companies is purely a price exercise — the coverage itself doesn't change from one insurer to the next.