Three of the 2027 Medigap dollar figures are already official, and one of the numbers people most want is not. CMS has set the 2027 deductible for the high-deductible versions of Plans F, G and J at $3,050, up from $2,950 in 2026, and the 2027 annual out-of-pocket limits at $8,360 for Plan K and $4,180 for Plan L, up from $8,000 and $4,000 in 2026. CMS has not yet published the 2027 Part B premium, the 2027 Part B deductible or the 2027 Part A deductible; it usually announces those in mid-November. Until it does, the figures in force are the 2026 ones: a $283 Part B deductible, a $1,736 Part A deductible per benefit period, and a $202.90 standard Part B premium. The chart below shows what each of the 10 standardized plans covers, with every 2027 figure labeled 2027 and every pending figure labeled 2026.
The 2027 Medigap Comparison Chart
Medigap plans are standardized by letter. A Plan G from one company covers exactly what a Plan G from another company covers. Only the premium, the service and the company differ. That is the single most useful thing to know when shopping: the benefits in this chart are set by federal rule, not by the insurer.
| Benefit | A | B | C | D | F | G | K | L | M | N |
|---|
| Part A coinsurance and hospital costs (365 extra days) | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Part B coinsurance or copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes, with copays |
| Blood (first 3 pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A hospice coinsurance or copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Skilled nursing facility coinsurance | No | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A deductible | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
| Part B deductible | No | No | Yes | No | Yes | No | No | No | No | No |
| Part B excess charges | No | No | No | No | Yes | Yes | No | No | No | No |
| Foreign travel emergency | No | No | 80% | 80% | 80% | 80% | No | No | 80% | 80% |
| Annual out-of-pocket limit, 2027 | None | None | None | None | None | None | $8,360 | $4,180 | None | None |
| Annual out-of-pocket limit, 2026 | None | None | None | None | None | None | $8,000 | $4,000 | None | None |
Source for the benefit rows: Medicare's own "Compare Medigap plan benefits" chart. Source for the 2027 limits: the CMS CY2027 Medigap notices.
A few things the grid cannot show:
- Plan N copays. Plan N can charge you up to $20 for some office visits and up to $50 for an emergency room visit that does not end in an inpatient admission. That is the trade for its lower premium.
- Foreign travel emergency. Plans C, D, F, G, M and N pay 80% of emergency care that begins in the first 60 days of a trip, after a $250 deductible, up to a $50,000 lifetime maximum. That is a lifetime figure, not an annual one.
- Plans K and L work differently from the rest. They pay a percentage, not the whole bill, until you hit the annual limit. Once you have paid the limit for the year and met the Part B deductible, the plan pays 100% of covered services for the rest of that calendar year. No other Medigap plan has an out-of-pocket cap, because no other Medigap plan leaves you a percentage to pay.
- Three states are not on this chart at all. Massachusetts, Minnesota and Wisconsin standardize Medigap their own way and do not use the letter plans. If you live in one of those three, ask your State Health Insurance Assistance Program for your state's own benefit chart.
What Actually Changed for 2027
Four changes matter to someone shopping Medigap during this fall's enrollment season.
1. The high-deductible Plan F, G and J deductible rises to $3,050
High-deductible versions of Plans F and G charge a much lower premium and then require you to pay a flat annual amount for covered services before the policy pays anything. For 2027 that amount is $3,050, up from $2,950 in 2026, a $100 increase. High-deductible Plan J still exists for a small number of people who bought one years ago; the same deductible applies to it.
This deductible is separate from the Medicare Part A and Part B deductibles. Paying the Part B deductible does not count toward it except to the extent the plan counts those same covered costs.
2. The Plan K and Plan L out-of-pocket limits rise
| Plan | 2026 limit | 2027 limit | Change |
|---|
| Plan K | $8,000 | $8,360 | Up $360 |
| Plan L | $4,000 | $4,180 | Up $180 |
These are the only Medigap plans with an annual cap, so these are the only Medigap figures that directly change your worst-case year. A Plan K holder's maximum exposure to covered Part A and Part B cost sharing goes up by $360 in 2027.
3. The 2027 Part B and Part A numbers are not out yet
The Part B deductible matters to Medigap shoppers more than it looks like it should, because it is the one benefit that separates the two most popular plans. Plan F pays your Part B deductible. Plan G does not. Plan C pays it. Plan D does not. So the size of that deductible is the size of the gap between those pairs.
As of October 27, 2026, CMS has not published the 2027 figure. These are the amounts in force right now, for 2026:
| Cost | 2026 amount (official) | 2027 amount |
|---|
| Part B annual deductible | $283 | Not published by CMS yet |
| Part B standard premium (monthly) | $202.90 | Not published by CMS yet |
| Part A deductible (per benefit period) | $1,736 | Not published by CMS yet |
| Part A premium for people without premium-free Part A | $565 | Not published by CMS yet |
CMS normally releases the Parts A and B premiums, deductibles and income-related premium brackets in mid-November. Anything you see online labeled as a 2027 Part B premium today is a projection, usually from the Medicare Trustees Report, not a published rate. We track that separately in Medicare Costs 2027 and update it the day CMS posts the fact sheet.
Note that the Part A deductible is charged per benefit period, not per year. Someone hospitalized twice in a year with more than 60 days between stays can owe it twice. That is the single largest reason to care whether a plan covers the Part A deductible in full, in half, or not at all.
4. New Mexico gets an annual switching window on January 1, 2027
New Mexico's Senate Bill 21, signed in March 2026, amends the state's Medicare Supplement Act to give every existing Medigap policyholder an annual window that opens on the first day of their birthday month and runs at least 60 days. During that window an insurer cannot deny, delay or price a policy based on health, as long as the policyholder moves to a plan of equal or lesser benefits. It takes effect January 1, 2027.
New Mexico joins a short list of states, including California, Oregon, Nevada, Missouri and Idaho, that give Medigap holders some version of an annual no-underwriting switch. The details differ by state, including how long the window lasts and whether you may change insurers, change letters, or both. Nothing like this exists in federal law, so if you do not live in one of those states, your health history can still be used against you after your first six months.
Who Can Buy Which Plan
Two eligibility rules narrow the chart before premiums enter the picture.
Plans C and F are closed to most people. If you first became eligible for Medicare on or after January 1, 2020, you cannot buy Plan C, Plan F or high-deductible Plan F. Those are the plans that pay the Part B deductible, and federal law barred new Medigap plans from covering it. If you became eligible before that date, you can still buy them, and if you already have one you can keep it. This is why Plan G is now the plan most new enrollees compare everything against: it is Plan F minus the Part B deductible.
You must have Original Medicare, not Medicare Advantage. Medigap works only alongside Original Medicare Part A and Part B. It is illegal for someone to sell you a Medigap policy while you are enrolled in a Medicare Advantage plan unless you are leaving that plan. If you are weighing the two approaches rather than comparing letters, start with Medicare Advantage vs Medigap.
Under 65 and on Medicare through disability? Federal law does not give you a Medigap open enrollment period. Roughly 30-some states require insurers to offer at least one plan to people under 65, and the price is often far higher than the same plan for a 65-year-old. Check with your state insurance department before assuming either way.
Timing: The Six Months That Decide Your Price
Medigap has its own enrollment window, and it has nothing to do with Medicare's fall Annual Enrollment Period in October through December. That window is for Medicare Advantage and Part D.
Your Medigap Open Enrollment Period is the six months that begin the first month you have Medicare Part B and are 65 or older. During those six months:
- An insurer cannot refuse to sell you any Medigap policy it offers in your state.
- It cannot charge you more because of a pre-existing condition.
- It cannot make you wait for coverage because of your health, except for a pre-existing condition waiting period of up to six months if you did not have prior creditable coverage.
After those six months end, in most states an insurer may use medical underwriting. It can ask about your health, charge more, or decline you outright. That is the practical reason this page is worth reading before you turn 65 rather than after: the chart never changes, but your access to it does.
A separate set of guaranteed issue rights reopens the door in specific situations, for example when your Medicare Advantage plan leaves your service area, when your employer coverage ends, or when your insurer goes out of business or misleads you. Those rights are federal and they come with deadlines, usually 63 days. Your state may add more.
How to Compare Plans in Practice
- Decide how much cost sharing you want to hold. Plan G leaves you the Part B deductible and nothing else on covered services. Plan N leaves you the Part B deductible plus small office and ER copays. Plan K leaves you 50% of most cost sharing until you hit $8,360 in 2027. Those are three very different financial positions.
- Price the same letter across several companies. Identical benefits, different premiums. This is the step most people skip and the one with the most money in it.
- Ask how the premium is rated. Community-rated means everyone pays the same regardless of age. Issue-age-rated prices on your age when you buy. Attained-age-rated prices on your current age and rises as you get older. Two policies with the same premium today can diverge sharply over 15 years. No insurer can promise a rate will not change.
- Check your state's rules. Birthday and anniversary rules, under-65 availability, and extra guaranteed issue rights are all set at the state level.
- Use the official plan finder. Medicare.gov lists the Medigap policies sold in your ZIP code at medicare.gov/medigap-supplemental-insurance-plans, and your State Health Insurance Assistance Program gives free one-on-one counseling that is not tied to any company.
- Add Part D separately. No Medigap plan sold today covers prescription drugs. You need a standalone Part D plan for that. The 2027 Part D annual out-of-pocket cap on covered drugs is $2,400, up from $2,100 in 2026, and the 2027 Part D base beneficiary premium is $41.33.
For a plain-language walkthrough of how Medigap works rather than the 2027 numbers, see our Medicare Supplement (Medigap) explainer.
What Medigap Never Covers
No standardized Medigap plan, in any year, covers:
- Prescription drugs (that is Part D)
- Long-term care or custodial nursing home care
- Routine dental, vision or hearing care, or hearing aids
- Eyeglasses
- Private-duty nursing
Medigap fills the gaps in Original Medicare's cost sharing. It does not add benefits Medicare does not have. Policies sold before 2006 could include drug coverage; if you still hold one of those, compare it against a current Part D plan rather than assuming it is better.
Frequently Asked Questions
What is the high-deductible Plan G deductible for 2027?
$3,050. That is the official CMS figure for 2027, up from $2,950 in 2026. The same deductible applies to high-deductible Plan F and the discontinued high-deductible Plan J. You pay that amount for covered services first, and then the policy covers what a standard Plan G would cover.
What are the Plan K and Plan L out-of-pocket limits for 2027?
$8,360 for Plan K and $4,180 for Plan L. In 2026 they were $8,000 and $4,000. Once you reach the limit for the year and have paid the Part B deductible, the plan pays 100% of covered services for the rest of that calendar year.
What is the 2027 Medicare Part B deductible?
CMS has not published it. As of October 27, 2026 the deductible in force is the 2026 amount, $283. CMS normally announces the next year's Part A and Part B premiums and deductibles in mid-November. Treat any 2027 Part B figure you see before that as a projection, not a rate.
How many Medicare Supplement plans are there in 2027?
Ten standardized letter plans: A, B, C, D, F, G, K, L, M and N, sold in 47 states. Plans C and F are closed to anyone who first became eligible for Medicare on or after January 1, 2020. Massachusetts, Minnesota and Wisconsin use their own standardization instead of the letters.
Is Plan G or Plan N better for 2027?
They cover the same services except that Plan G pays your Part B coinsurance in full while Plan N can charge up to $20 for some office visits and up to $50 for an ER visit that does not lead to admission. Plan N premiums are generally lower. Whether the premium difference exceeds what you would pay in copays depends on how many office visits you expect and on the specific premiums quoted in your ZIP code, so it is an arithmetic question, not a ranking.
Does Medigap cost more in 2027 than in 2026?
Premiums are set by each insurer and approved state by state, so there is no single answer and no national 2027 Medigap premium. What is known is that two federal figures rose: the high-deductible F and G deductible and the Plan K and L limits. Those raise what you can owe, not what you pay in premium. Ask each insurer for its rate history and its rating method before you assume a low premium stays low.
Can I switch Medigap plans for 2027 during Medicare's fall enrollment period?
Not automatically. The October through December Annual Enrollment Period applies to Medicare Advantage and Part D, not Medigap. Outside your six-month Medigap Open Enrollment Period, a guaranteed issue right, or a state rule such as New Mexico's new birthday window starting January 1, 2027, an insurer may use medical underwriting on your application.
Do Medigap plans cover the Part A deductible?
All of them except Plan A cover at least part of it. Plans B, C, D, F, G and N cover it in full. Plans K and M cover 50%, Plan L covers 75%, and Plan A covers none of it. The 2026 amount is $1,736 per benefit period, and the 2027 amount has not been published. Because it is charged per benefit period rather than per year, more than one hospital stay in a year can mean paying it more than once.
This page is informational and is not insurance advice, and we do not sell or recommend any Medigap policy or company. Dollar figures are the published federal amounts for the year stated. Your own premium, eligibility and state rules are determined by your insurer, your state insurance department and Medicare.
