Medicare Supplement

Medigap in Arlington for 2027: the plan letters, the Part B reset, and rate filings to watch

Arlington, Texas — As 2027 approaches, Medigap shoppers in Arlington are looking at the same three moving parts they see every year: which standardized plan letters they can buy, the annual reset of the Part B deductible that Plans G and N are built around, and the rate filings insurers submit to the Texas Department of Insurance. None of it is dramatic on its own, but together it shapes what a Medigap policy will look like — and cost — in Tarrant County next year.

Here is a plain-language look at what is changing, what is staying the same, and where to check the details for your ZIP code.

The plan letters available in Arlington for 2027

Medigap plans are standardized by the federal government, so a Plan G in Arlington covers the same core benefits as a Plan G anywhere else in the country. What differs from insurer to insurer is the premium, not the benefit chart.

For anyone who became eligible for Medicare on or after January 1, 2020, the available plan letters are:

• Plan A
• Plan B
• Plan D
• Plan G
• Plan G High-Deductible (G-HD)
• Plan K
• Plan L
• Plan M
• Plan N

Plans C and F remain available only to people who were eligible for Medicare before January 1, 2020. That rule is not changing for 2027. If you fall into that earlier group and already have a C or F, you can keep it; if you became eligible in 2020 or later, those two letters are off the menu.

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

Plans G and N are the two most popular Medigap letters, and both are built around the Part B deductible. With standard Plan G, you pay the Part B deductible each year, and the plan picks up the Part B coinsurance after that. Plan N works similarly on the deductible side, with some copays for certain office and emergency-room visits.

Every January, the Part B deductible resets to a new federal amount set by CMS. The 2027 figure will be published by CMS in the fall of 2026, along with the new Part B premium. Once it is announced, that number is what Plan G and Plan N enrollees in Arlington will pay out of pocket before their Medigap coverage kicks in on Part B services.

The High-Deductible Plan G (G-HD) works differently: you pay a much larger yearly deductible before the plan pays, and that deductible also resets annually.

Rate-adjustment season in Texas

Medigap premiums are not set by Medicare. In Texas, each insurer files its rates with the Texas Department of Insurance (TDI), and rate changes typically take effect on set dates during the year — often, but not always, on a policy's anniversary.

For Arlington shoppers, that means two things:

1. Your renewal premium may look different from your neighbor's, even on the same plan letter, because insurers file separately and use different rating methods (issue-age, attained-age, or community-rated). 2. The best way to compare is by ZIP code. Medicare.gov's Medigap policy search shows every insurer offering each plan letter in your area, along with the current premium range. TDI also publishes a Medigap rate guide that consumers can request or download.

If your renewal notice arrives and the new premium is higher than you expected, you are allowed to shop other insurers. Just remember: outside your one-time six-month Medigap Open Enrollment (which starts when you are 65 and enrolled in Part B), insurers in Texas can use medical underwriting to decide whether to accept you and at what rate.

Insurers entering or leaving Texas

Carriers do come and go from the Texas Medigap market from year to year. We do not have a verified list of insurers entering or leaving Texas for 2027 at this time, so we are not going to name names. What we can tell you is how to check for yourself:

• Medicare.gov Medigap policy search — enter your Arlington ZIP code to see which insurers are currently selling each plan letter in Tarrant County.
• Texas Department of Insurance — the state's Medigap rate guide lists licensed carriers and current premium ranges.
• Texas SHIP (State Health Insurance Assistance Program) — free, unbiased one-on-one counseling for Medicare questions, including Medigap comparisons.

If your current insurer stops offering your plan, they are required to notify you in writing and explain your options.

What is not changing

A few points worth repeating, because they get confused with Advantage rules every fall:

• Medigap does not use the October 15 – December 7 Annual Enrollment Period. That window is for Part D and Medicare Advantage.
• Medigap does not use the January 1 – March 31 Medicare Advantage Open Enrollment Period.
• You can apply for a Medigap policy any time of year, but outside your one-time Medigap Open Enrollment or a limited guaranteed-issue situation, you can be medically underwritten in Texas.
• Medigap does not include prescription drug coverage. If you want drug coverage, you enroll in a stand-alone Part D plan — and Part D does have big 2026 changes, including a $2,100 out-of-pocket cap and a $615 maximum deductible.