Medicare Supplement in 2027: Plans by State & City
Medicare Supplement (Medigap) policies help cover the out-of-pocket costs Original Medicare leaves behind. These guides explain the standardized plans and how they work, by state, current for 2027.
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A Medigap plan, also called Medicare Supplement Insurance, is a private insurance policy that helps pay the deductibles, coinsurance and copayments Original Medicare (Part A and Part B) leaves behind. In the United States in 2027, Medigap plans are standardized by federal law into plans lettered A, B, C, D, F, G, K, L, M and N, and each letter covers the same benefits with every insurer.
In the United States in 2027, Medigap Plans C and F can be bought only by people who were eligible for Medicare before January 1, 2020, and Massachusetts, Minnesota and Wisconsin use their own Medigap plans instead of the letters.
| Fact | Figure | Source |
|---|---|---|
| Standardized Medigap plan letters | A, B, C, D, F, G, K, L, M, N | Federal Medigap standardization rules (CMS, medicare.gov) |
| Letters open to people new to Medicare since 2020 | A, B, D, G, K, L, M, N (C and F closed) | Federal Medigap standardization rules (CMS, medicare.gov) |
| States with their own Medigap plans | Massachusetts, Minnesota, Wisconsin | Federal Medigap standardization rules (CMS, medicare.gov) |
| Share of people with Medicare who have a Medigap policy (national estimate) | about 19% | AHIP/NAIC-based estimate (medicare_program_data.json) |
| Standard Part B premium, 2026 | $202.90 a month | CMS 2026 Part B announcement |
Medicare Supplement (Medigap) chart
Medigap plan comparison chart (2027)
What each standardized Medigap plan pays in the United States. Medigap plans are standardized by federal law, so a plan letter covers the same benefits whichever insurer sells it; the price is what differs. “100%” means the plan pays the whole benefit, a lower percentage means it pays that share, “No” means it does not cover it.
| Benefit | Plan A | Plan B | Plan C | Plan D | Plan F | Plan G | Plan K | Plan L | Plan M | Plan N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance and hospital costs, up to 365 days after Medicare benefits are used | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Part B coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100%* |
| Blood (first 3 pints) | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part A hospice care coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled nursing facility care coinsurance | No | No | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part A deductible | No | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 50% | 100% |
| Part B deductible | No | No | 100% | No | 100% | No | No | No | No | No |
| Part B excess charges | No | No | No | No | 100% | 100% | No | No | No | No |
| Foreign travel emergency (up to plan limits) | No | No | 80% | 80% | 80% | 80% | No | No | 80% | 80% |
| Yearly out-of-pocket limit | No | No | No | No | No | No | Yes** | Yes** | No | No |
Plans C and F can be bought only by people who were eligible for Medicare before January 1, 2020; people new to Medicare since then can buy the other letters. Plans F and G also come in a high-deductible version that pays after a yearly deductible. * Plan N pays the Part B coinsurance except for a copayment for some office visits and for emergency-room visits that do not lead to an inpatient admission. ** Plans K and L pay 100% of covered services for the rest of the year once you reach their yearly out-of-pocket limit, which CMS sets each year. Massachusetts, Minnesota and Wisconsin standardize Medigap their own way, so this chart does not apply there.
Source: Federal Medigap standardization rules (CMS, medicare.gov). No plan or insurer is ranked.
Good to know
Medigap questions (2027)
What is a Medigap plan for Medicare?
What is the difference between Medigap Plan G and Plan N?
Can I still buy Medigap Plan C or Plan F?
What is the difference between Medicare Advantage and Medicare Supplement in the United States?
Do Medigap plans include prescription drug coverage?
By the numbers
How people get Medicare in the United States
(MA penetration in the United States)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
Latest Medicare Supplement news
- Medigap in North Carolina: 29 Insurers and Their Plans
- Medigap in Michigan: 28 Insurers and Their Plans
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- Medigap in Ohio: 33 Insurers and Their Plans
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- Medigap in New York: 8 Insurers and Their Plans
- Medigap in Texas: 28 Insurers and Their Plans
- Medigap in California: 15 Insurers and Their Plans
- Medigap in Florida: 24 Insurers and Their Plans
- Dearborn Heights Medicare: why Medigap plus Part D is a two-step signup
- Medigap plus Part D in Cherry Hill (explained)
- Before you renew Medigap in Salem: what to check
- Newly eligible in Pembroke Pines? Your Medigap letters have limits
- Santa Rosa Medigap: rate filings, plan letters, deductible reset
- Aging Into Medicare in Cameron County? Read This
- Fort Lauderdale Medigap in 2027: the plan-letter rules, Part B reset and rate filings to watch
- Before you renew Medigap in Shreveport, check these 2026 items
- Before January renewal: Medigap facts for Glendale
- Which Medigap Letters Can a Clarksville Shopper Buy?
- Medigap in Elk Grove for 2027: the rules, the reset, and who sells it
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By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.