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HomeMedicare SupplementPennsylvaniaMedigap in Pennsylvania for 2027: 28 Insurers and the Plans They Sell

Medicare Supplement

Medigap in Pennsylvania for 2027: 28 Insurers and the Plans They Sell

PHILADELPHIA — Pennsylvanians who want help with the out-of-pocket costs that Original Medicare leaves behind have a lot of company shopping in the same aisle. For the ZIP code 19102 search on Medicare.gov's Medigap policy finder, 28 insurers are listed, selling eleven of the federal standardized plan letters between them. This explainer walks through what Medigap is, which companies and letters appear in that search, and the dates and rights that matter heading into Medicare Open Enrollment 2027.

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Key takeaways

  • Medicare.gov's Medigap search for ZIP code 19102 lists 28 insurers and plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M, and N across them.
  • Your strongest shot at buying any Medigap policy sold in Pennsylvania is the six-month Medigap Open Enrollment Period that starts the month your Part B begins at age 65 or later.
  • About 50 Medicare Advantage plans offered in Pennsylvania in 2026 will not be offered anywhere in the state in 2027, and affected members get a federal guaranteed-issue right to buy certain Medigap plans.
  • Medigap does not include drug coverage, so a stand-alone Part D plan is chosen separately during Annual Enrollment, October 15 – December 7, 2026, for coverage starting January 1, 2027.
Medicare SupplementPennsylvania
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·10 min read·✓ Reviewed
Key facts: Medicare in Pennsylvania
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap and how is it different from Medicare Advantage in Pennsylvania?

Medigap is private insurance that pays after Original Medicare (Parts A and B) pays, picking up some combination of the deductibles, coinsurance, and copays that Medicare leaves to you. It is not Medicare Advantage. Medicare Advantage (Part C) replaces the way you get your Part A and Part B benefits by routing them through a private plan, usually with its own network and its own drug coverage. With Medigap, you keep Original Medicare and see any provider in the country that accepts Medicare, and you add a stand-alone Part D plan if you want prescription coverage.

Medigap policies sold today are standardized by letter, so a Plan G from one company covers the same federally defined benefits as a Plan G from another; price, customer service, and household or other discounts are where companies differ.

Which insurers and Medigap plan letters are listed for Pennsylvania on Medicare.gov?

For ZIP code 19102, Medicare.gov's Medigap policy search lists 28 insurers. The plan letters offered by at least one of them are A, B, C, D, F, F-HD, G, G-HD, K, L, M, and N. What any one shopper can actually buy may differ by ZIP code and by age, sex, and tobacco use.

The 28 insurers and the letters shown for each:

Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.

When is the six-month Medigap Open Enrollment Period in Pennsylvania and why does it matter?

The Medigap Open Enrollment Period is the six months that begin the first month you are 65 or older and enrolled in Part B. In that window, any Medigap policy sold in Pennsylvania must be issued to you at the company's best available rate for your age, with no medical underwriting — the insurer cannot refuse you or charge more because of health history. Outside that window, companies in most situations can ask health questions and decline you or quote a higher price. That one-time, six-month opening is why so many people make their Medigap decision as they first join Part B.

What happens if my Medicare Advantage plan in Pennsylvania is not returning in 2027?

According to CMS Landscape files, about 50 Medicare Advantage plans offered somewhere in Pennsylvania in 2026 will not be offered anywhere in the state in 2027. Members of a non-renewing plan get a federal guaranteed-issue right to buy certain Medigap policies without medical underwriting. The non-renewal notice from the plan explains the dates and your options; Medicare.gov and 1-800-MEDICARE can confirm which Medigap letters qualify in your situation and the deadline that applies.

Does Medigap cover prescriptions in Pennsylvania, or do I need a separate Part D plan?

Medigap sold today does not include prescription drug coverage, so Pennsylvanians who want help paying for medications pair Medigap with a stand-alone Part D drug plan. For 2027, the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), the maximum any Part D plan may charge as a deductible is $700, and the national base beneficiary premium used in the late-enrollment penalty calculation is $41.33. Individual plan premiums vary and are set plan by plan. Annual Enrollment for 2027 runs October 15 – December 7, 2026, with coverage effective January 1, 2027.

How do I compare Medigap policies in Pennsylvania?

Because benefits within a lettered plan are standardized, the comparison is mostly about price for the same letter, the company's rate-increase history, and any discounts you qualify for (household, non-tobacco, and the like). Use Medicare.gov's Medigap policy search to see the companies listed in your ZIP code, then request a rate quote from each company you want to consider, giving your age, sex, tobacco status, and ZIP code. The Social Security Administration announced a 3.6 percent cost-of-living adjustment on October 14, 2026 for benefits payable beginning January 2027, which affects your Social Security check, not your Medigap premium.

Where can Pennsylvanians get free Medicare help?

Medicare.gov has the Plan Finder, the Medigap policy search, and plain-language explanations of each lettered plan. 1-800-MEDICARE (TTY 1-877-486-2048) answers questions by phone 24 hours a day, seven days a week, and can mail printed materials.

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.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

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October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

Can I switch from Medicare Advantage to Medigap in Pennsylvania?
You can, but outside of a guaranteed-issue situation most insurers may use medical underwriting, which means they can ask health questions and decide whether to issue the policy and at what price. If your Medicare Advantage plan is not returning in 2027, you have a federal guaranteed-issue right to certain Medigap plans. Check Medicare.gov or call 1-800-MEDICARE to see which letters apply.
Do all 28 Pennsylvania insurers sell every Medigap plan letter?
No. The 28 insurers listed for ZIP code 19102 each sell their own subset of letters, as shown in the list above. Across all of them, the letters available are A, B, C, D, F, F-HD, G, G-HD, K, L, M, and N. What any individual can buy may further depend on ZIP code and personal factors.
Does Medigap cover my prescriptions in 2027?
No. Medigap policies sold today do not include drug coverage. You add a stand-alone Part D plan, which in 2027 caps your out-of-pocket drug spending at $2,400 and may charge a deductible of up to $700.
When is Medicare Open Enrollment 2027?
Annual Enrollment runs October 15 – December 7, 2026, and the choices you make take effect January 1, 2027. That window is for Medicare Advantage and Part D changes; Medigap has its own enrollment rules centered on the six-month Medigap Open Enrollment Period tied to your Part B start date.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov Medigap policy search: the 28 insurers and plan letters listed for ZIP code 19102.
  • CMS Medicare Supplement Insurance (Medigap) rules (medicare.gov): the six-month Medigap Open Enrollment Period, standardized plan letters, the Plan C and F eligibility cutoff, and guaranteed-issue rights.
  • CMS Landscape Source Files: the count of Medicare Advantage plans offered in Pennsylvania in 2026 that will not be offered anywhere in the state in 2027.
  • CMS and Medicare.gov: the 2027 Part D out-of-pocket cap ($2,400), the maximum Part D deductible ($700), the national Part D base beneficiary premium ($41.33), and the Annual Enrollment dates (October 15 – December 7, 2026).
  • Social Security Administration: the 3.6 percent cost-of-living adjustment announced October 14, 2026 for benefits payable beginning January 2027.

How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.

By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

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This page was last updated: October 2026.

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