Medicare Supplement

Are Plans C and F still an option in Anchorage?

ANCHORAGE — As 2027 approaches, Medigap shoppers in Alaska's largest city are watching three moving parts: which standardized plan letters they can still buy, the yearly reset of the Part B deductible that Plans G and N are built around, and the rate filings insurers submit to the state each year. None of these change what a Medigap policy is — they change the fine print of what you pay and what's on the shelf.

Medicare SupplementAnchorage, AK

Here is a plain-language look at what's shifting into 2027 for people shopping Medigap in Anchorage, and what's staying exactly the same.

Which plan letters you can buy in 2027

The federal government standardizes Medigap into lettered plans, so a Plan G is a Plan G no matter who sells it. What changes over time is which letters are open to new enrollees.

If you are newly eligible for Medicare today, these letters are available: A, B, D, G, G-HD (the high-deductible version of G), K, L, M and N. Plans C and F remain available only to people who became eligible for Medicare before January 1, 2020. That rule is not new for 2027, but it still trips up shoppers who hear an older relative talk about "Plan F."

The table below lists every standardized plan letter you may see quoted in Alaska.

The Part B deductible reset — why Plans G and N shift each January

Plans G and N are the two most-discussed letters for newer enrollees, and both are built around the Part B deductible. That means you pay the Part B deductible yourself each calendar year, and the Medigap plan picks up covered costs after that.

Because the Part B deductible is set by CMS and resets every January 1, the amount you pay out of pocket before Plan G or Plan N kicks in changes with the new year. CMS publishes the official figure ahead of each plan year at medicare.gov. If you are comparing Plan G or Plan N for 2027, check the 2027 Part B deductible on medicare.gov rather than relying on last year's number.

Plan N has one more wrinkle to know: it can include small copays for some office and emergency-room visits, and it does not cover Part B excess charges. Those rules are standardized nationally, not something an Anchorage insurer sets.

Rate-adjustment season in Alaska

Medigap premiums are not fixed by Medicare. Each insurer sets its own price for a standardized plan and files rate changes with the Alaska Division of Insurance. That is why two carriers can sell the identical Plan G with different monthly premiums.

A few practical points for Anchorage shoppers:

• Rate filings typically happen on the insurer's own schedule, not on the October–December Medicare calendar most people know.
• Medigap does not have an Annual Enrollment Period the way Medicare Advantage and Part D do. You can apply for a Medigap policy any time — but outside your one-time Medigap Open Enrollment Period (the six months starting when you are 65 and enrolled in Part B), insurers in most states can use medical underwriting.
• To see what is currently sold in your ZIP code and get a snapshot of premiums, use the Medigap policy search on medicare.gov. For filed rate information, contact the Alaska Division of Insurance.

Insurers entering or leaving the state

Medigap carriers can enter or exit a state, and the roster in Alaska can look different from year to year. We are not naming carriers here because the current, verified list for Alaska should come straight from the source: run your Anchorage ZIP code through the Medigap policy search on medicare.gov, or ask Alaska's SHIP for a current list.

If you already have a Medigap policy and your insurer stops offering it in Alaska, that is a "guaranteed issue" situation under federal rules — meaning you generally have a limited window to buy certain replacement plans without medical underwriting. Alaska's SHIP can walk you through the specific rights that apply to your case.

What is not changing

A few things worth repeating, because they get muddled every fall:

• Medigap is separate from Medicare Advantage. If you have a Medigap policy, you are on Original Medicare, and Medigap fills in some of the gaps.
• Medigap does not include Part D drug coverage. For 2026, Part D has a $2,100 out-of-pocket cap, a maximum deductible of $615, and the old "donut hole" is gone — replaced by three phases. The optional Medicare Prescription Payment Plan lets you spread drug costs across the year in monthly installments.
• The Medicare enrollment calendar you may hear about — Annual Enrollment October 15 to December 7, and Medicare Advantage Open Enrollment January 1 to March 31 — applies to Advantage and Part D, not to Medigap.
• IRMAA income surcharges (which affect Part B and Part D premiums) start above $109,000 in income for a single filer in 2026.