Health & Medicare
Medigap Plan Comparison Calculator
Estimates based on MedicareSupplement.com and KFF Medigap pricing data, updated August 2026.
Compare estimated monthly costs for Medicare Supplement Plan G, Plan N, and Plan F, including whether Plan F is even available to you.
Data sourced from MedicareSupplement.com, KFF, U.S. News
Estimated Plan G monthly premium
$0
How this is calculated
Source: MedicareSupplement.com and KFF (premiums), U.S. News (benefit design), Medicare Rights Center (Plan F cutoff) · Last updated 2026-08-21 · See how we calculate this →
How to actually compare Plan G, Plan N, and Plan F
Medigap plans with the same letter cover exactly the same benefits everywhere in the country, benefits are standardized by federal law, so the only real differences between insurers are price and customer service.
The differences between the letters themselves, though, are substantial. Plan G leaves you responsible for the annual Part B deductible ($283 in 2026) but otherwise covers Medicare's cost-sharing in full, no copays for doctor visits or ER trips.
Plan N covers the same core benefits but adds small copays, up to $20 for an office visit and up to $50 for an ER visit that doesn't result in admission, in exchange for a lower monthly premium, often $30 to $60 less than Plan G according to MedicareSupplement.com's 2026 pricing data.
Plan F is the most comprehensive of the three, covering the Part B deductible itself along with everything else, so a Plan F holder can see a doctor without worrying about a bill at all.
The catch with Plan F is eligibility, not price. The Medicare Access and CHIP Reauthorization Act of 2015 (MACRA) closed Plan F, along with the similar Plan C, to anyone who first became eligible for Medicare on or after January 1, 2020.
If you turned 65 (or otherwise became Medicare-eligible) after that date, Plan F is simply not for sale to you, regardless of how much you're willing to pay.
If you were eligible before that date, you can still buy Plan F new or keep an existing policy. This calculator enforces that rule directly rather than showing you a Plan F price you cannot actually act on.
Where you live changes more than just the starting price, it changes how your premium behaves over the years you own the policy. Nine states (Arkansas, Connecticut, Idaho, Massachusetts, Maine, Minnesota, New York, Vermont, and Washington) require community rating: every enrollee in a plan pays the same rate regardless of age.
Four states (Arizona, Florida, Georgia, and Missouri) use issue-age rating, your premium is locked to your age when you first bought the policy and won't rise further just because you get older.
Every other state permits attained-age rating, the most common approach nationally, where your premium climbs every year you age, independent of any general rate increase the insurer files.
A policy that looks cheap at 65 in an attained-age state can cost meaningfully more by 80, according to industry rate-increase examples showing premiums roughly doubling from 65 to 75 under this pricing method.
Gender and tobacco use can also move the price. Insurers in most (not all) states price Medigap separately by sex, with women's premiums typically running a bit lower, and many states allow a tobacco surcharge, commonly cited around 10% on average, though it varies widely by carrier and some states restrict or prohibit it entirely.
These adjustments in this tool are broad national estimates, not a quote, since no public source tabulates them state by state or insurer by insurer.
Because pricing depends so heavily on ZIP code, insurer, and your exact enrollment date, use this calculator to understand the structure of the tradeoff, deductible-first Plan G against copay-bearing Plan N against comprehensive-but-restricted Plan F, then request actual quotes from two or three carriers before enrolling.
Frequently asked questions
Can I still buy Medigap Plan F?
Only if you first became eligible for Medicare before January 1, 2020. By federal law (the Medicare Access and CHIP Reauthorization Act of 2015), Plan F and Plan C are closed to anyone newly eligible on or after that date.
If you already had Plan F before then, you can keep it or still purchase it new.
Why would anyone pick Plan N over Plan G if Plan G covers more?
Plan N usually costs noticeably less per month than Plan G, often $30 to $60 less. In exchange you accept small copays (up to $20 for an office visit, up to $50 for an ER visit that doesn't result in admission). If you rarely visit the doctor, the lower monthly premium can outweigh the occasional copay.
What does my state have to do with how much I pay over time?
It determines your rating method. Community-rated states charge everyone the same regardless of age. Issue-age states lock your rate to the age you first enrolled. Most other states use attained-age rating, where your premium climbs every year as you get older, even if you never file a claim.
Do these numbers include Medicare Part B or Part D?
No. Medigap only supplements Original Medicare (Part A and Part B) by covering some of the cost-sharing Medicare itself leaves you to pay. You still pay your separate Part B premium (and any late enrollment penalty), and a standalone Part D plan if you want drug coverage.