Medigap plans fill the gaps Original Medicare leaves — deductibles, copays, and coinsurance. For 2026, most new enrollees choose between Plan G and Plan N. Here's how they compare.
Plan G covers nearly everything Original Medicare doesn't, except the $283 Part B deductible. Once you pay that deductible, your covered costs for the year are essentially zero. It's the most popular choice for new beneficiaries in 2026 and offers the most predictable budgeting.
Plan N has a lower monthly premium in exchange for small copays (up to $20 for office visits, $50 for ER) and it does not cover Part B excess charges — amounts a provider can bill up to 15% above the Medicare rate. Great for people who rarely see specialists and want to save on premium.
Plan F is the only plan that also covers the Part B deductible, but it's closed to anyone who became eligible for Medicare on or after January 1, 2020. If you were eligible before then, you can still buy or keep it; otherwise Plan G is the closest equivalent.
Medigap pairs with Original Medicare for nationwide access and predictable costs (higher monthly premium, you add a Part D drug plan). Medicare Advantage bundles everything with networks and often $0 premium. Compare them in our Advantage vs Original guide.
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New here? Start for $7.49 →Plan G is the most popular choice for new enrollees because it covers everything except the $283 Part B deductible. Plan N is the top pick for people who want a lower premium and don't mind small copays.
Plan G has a higher premium but covers more — you only pay the Part B deductible. Plan N has a lower premium but adds small copays and does not cover Part B excess charges (up to 15% above Medicare rates).
Plan F is closed to anyone who became eligible for Medicare on or after January 1, 2020. If you were eligible before then you can still enroll; otherwise Plan G is the closest option.
Figures on this page are verified against U.S. government primary sources: