Medicare Supplement

Medigap in Lexington for 2027: the plan letters, the Part B reset, and where to check rates

LEXINGTON, Ky. — As Fayette County residents look ahead to 2027, the Medigap landscape here is shaped less by dramatic overhauls and more by a handful of predictable moving parts: which standardized plan letters you can buy, the yearly reset of the Part B deductible that Plans G and N are built around, the rate filings insurers submit to the state, and whether any carriers are entering or leaving Kentucky. Here is a plain-English snapshot of what to watch.

Medicare SupplementLexington, KY

Which plan letters you can buy in 2027

Medigap plans are standardized by the federal government, meaning a Plan G from one insurer covers the same core benefits as a Plan G from another. What differs is the premium and the company behind it.

For people newly eligible for Medicare, the available lettered plans in Kentucky are A, B, D, G, G-HD (the high-deductible version of Plan 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 changing for 2027 — it is a permanent shift set by federal law.

If you already have a Plan C or F, you can keep it. You just cannot newly enroll in one unless you qualified before that cutoff.

The Part B deductible reset — and why Plans G and N notice

Every January, the Part B deductible resets to a new federal figure set by CMS. For Medigap shoppers, this matters in a specific way:

• Plan G pays your Part B deductible for you once you meet it during the year.
• Plan N leaves the Part B deductible to you, along with small copays for some office and emergency room visits.
• High-deductible Plan G requires you to meet a separate, higher plan deductible before benefits kick in.

The 2027 Part B deductible has not been announced yet; CMS typically publishes the new figure in the fall. When it does, that number is what Plan G will absorb and what Plan N holders will pay out of pocket at the start of the year.

Rate-adjustment season in Kentucky

Medigap premiums are not fixed by Medicare. Each insurer files its rates with the Kentucky Department of Insurance, and those rates can be adjusted — usually once a year. Two things drive most changes: medical cost trends and the age-rating method the insurer uses (some price by your current age, some by the age you were when you enrolled, and some charge the same regardless of age).

Because rates vary from company to company for the exact same lettered plan, the Kentucky Department of Insurance publishes a Medigap rate guide that lets you compare filed premiums side by side. It is the most reliable way to see what a Plan G or Plan N actually costs in Fayette County before you sign anything.

Insurers entering or leaving the state

Medigap carriers can enter or leave a state market from year to year, though it happens less often than in Medicare Advantage. There is no confirmed public list of Kentucky insurer changes for 2027 that we can share here. To see the current insurer lineup for Lexington ZIP codes:

• Use the Medicare.gov Medigap policy search, which shows every company licensed to sell each lettered plan in your ZIP.
• Check the Kentucky Department of Insurance Medigap rate guide.
• Call the Kentucky SHIP (State Health Insurance Assistance Program) for free, unbiased counseling.

When you can switch — and when it gets harder

One rule that trips up a lot of Lexington readers: outside your Medigap Open Enrollment Period (the six months starting when you are 65 and enrolled in Part B), insurers in Kentucky can use medical underwriting to decide whether to accept you or what to charge. That is unchanged for 2027.

If you are inside your one-time Open Enrollment window, insurers must sell you any plan they offer at their best available rate, regardless of health. If you are outside it, switching plans — even to save money — may require answering health questions.