Medicare Supplement

What's changing for Medigap in Las Vegas for 2027: rules, resets and rate season

LAS VEGAS — If you have a Medigap policy in Las Vegas, or you're shopping for one this year, a few moving parts are worth knowing about before 2027. The rules on which plan letters you can buy have not changed for people newly eligible for Medicare, but the Part B deductible that Plans G and N are built around resets every January, and this is the time of year insurers file their new rates with the state. Here's a plain-English look at what that means for Clark County residents.

Medicare SupplementLas Vegas, NV

What Medigap is (and what it isn't)

Medigap — also called Medicare Supplement Insurance — is a policy you buy from a private insurer to help pay some of the out-of-pocket costs Original Medicare leaves behind, like coinsurance and hospital copays. It only works alongside Original Medicare (Parts A and B). If you're on a Medicare Advantage plan, you can't use a Medigap policy with it.

The plans are standardized by letter, which means a Plan G from one insurer covers the same core benefits as a Plan G from another. What differs is the premium, the company's customer service, and how they handle rate increases over time.

Which plan letters you can buy in Nevada

For anyone newly eligible for Medicare today, Nevada offers the standardized plan letters: A, B, D, G, G-HD (a high-deductible version of Plan G), K, L, M and N.

Plans C and F are still around, but only for people who were eligible for Medicare before January 1, 2020. That federal rule hasn't changed for 2027. If you were eligible before that date and never enrolled, you may still be able to buy C or F — but confirm with an insurer or SHIP counselor before assuming so.

The Part B deductible reset — why it matters for Plans G and N

Plans G and N are the two most-discussed options for new enrollees because they cover most of what Original Medicare doesn't — except the Part B deductible. You pay that yourself each calendar year before the plan begins picking up your share of outpatient costs.

The Part B deductible resets every January 1. CMS announces the new amount for the coming year in the fall, and that number applies nationwide, including in Las Vegas. If you're budgeting for 2027, keep an eye out for that announcement so you know what you'll owe out of pocket before your Medigap coverage kicks in for the year.

Plan G-HD works differently: it has a much higher annual deductible set by federal rules, and the premium is lower to match. Whether that trade-off makes sense depends on how much care you expect to use.

Rate-adjustment season: how to check what's changing

Late summer and fall is when Medigap insurers file their proposed rates with the Nevada Division of Insurance for the coming year. Rates can go up, stay the same, or occasionally drop, and the change isn't the same at every company or for every plan letter.

Because we don't have a statewide insurer list to publish here, the right move is to look yours up directly:

• Medicare.gov Medigap policy search — enter your ZIP code and see which insurers sell which plan letters in your area, with sample premiums.
• Nevada Division of Insurance — publishes a Medigap rate guide showing premiums by carrier and plan.
• Nevada SHIP (State Health Insurance Assistance Program) — free, unbiased one-on-one help from trained counselors.

If your renewal letter arrives and the new premium surprises you, remember: you can apply to switch to another insurer's policy at any time. Outside your one-time six-month Medigap Open Enrollment Period (which starts when you're 65 and enrolled in Part B), the new insurer can use medical underwriting, meaning they can review your health before deciding. Nevada does have some limited "guaranteed issue" situations — SHIP can walk you through whether you qualify.

Insurers entering or leaving the state

Medigap participation in Nevada can shift from year to year as companies file to enter the market or stop selling certain plan letters. There isn't a central "who's new for 2027" announcement the way there is for Medicare Advantage. The most current picture always comes from the Medicare.gov Medigap search for your ZIP code — it reflects who is actively selling policies to new applicants right now.

If a company stops selling new Medigap policies in Nevada, existing policyholders generally keep their coverage; the company just isn't taking new customers. If that ever changes for your policy, you'd receive written notice with instructions.

A few 2026 program facts worth knowing

While you're reviewing your coverage, keep these current Medicare figures in mind — they affect Medigap households too, especially on the drug-coverage side:

• Part D has a $2,100 out-of-pocket cap for 2026, and the coverage gap ("donut hole") has been eliminated since 2025.
• The Part D maximum deductible is $615.
• The Medicare Prescription Payment Plan lets you spread drug costs across the year in monthly payments.
• IRMAA income-based surcharges begin above $109,000 for a single filer in 2026.
• Medicare's Annual Enrollment Period runs October 15 – December 7; Medicare Advantage Open Enrollment runs January 1 – March 31. Medigap has its own separate enrollment rules.