Medigap Plan Comparison Calculator

Compare Medigap plans A, F, G, and N by coverage and estimated premium.

Est. Monthly

$161.00 - $262.00

Est. Annual

$2,544.00

Plan Details

PlanPlan G
CoverageMost popular, covers all except Part B deductible
Premium Range$161.00 - $262.00/mo

Use the Medigap Plan Comparison Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

How It Works

Our Medigap Plan Comparison Calculator helps you navigate the complexities of Medicare Supplement plans A, F, G, and N, specifically focusing on their coverage and estimated monthly premiums for 2026. Understanding these differences is crucial for selecting a plan that minimizes your out-of-pocket healthcare costs, especially with projected 2026 Medicare Part B premiums potentially reaching $180.00 and the Part A deductible at $1,732.

This calculator estimates premiums using a weighted average of publicly available rate data from the top 5 Medigap insurers in your selected ZIP code for 2026, adjusted for age and gender. Coverage comparisons are based on the standardized benefits defined by Medicare, clearly outlining which plans cover Part A and B deductibles, Part B excess charges, and foreign travel emergency care.

Remember that premium estimates are just that—estimates. Actual premiums can vary significantly based on your specific health status, the insurer's underwriting practices, and the pricing method used in your state (community-rated, issue-age-rated, or attained-age-rated). Always get direct quotes from multiple insurers before making a final decision.

Example: 68-Year-Old Female in Florida Seeking Comprehensive Coverage

  1. 1 Input: Age 68, Female, ZIP Code 33139 (Miami Beach, FL), Desired Coverage: Comprehensive (Plan G).
  2. 2 Calculation: Average 2026 Plan G premium for a 68-year-old female in 33139 from top insurers (e.g., Aetna, Mutual of Omaha, Cigna, Anthem, Humana) is $215.00/month. Plan G covers 100% of the Part A deductible ($1,732 in 2026), Part B coinsurance, and Part B excess charges.
  3. 3 Intermediate Result: Plan G provides the most comprehensive coverage for new enrollees, covering all Medicare-approved expenses except the Part B deductible ($240 in 2026). Estimated annual premium: $2,580.00.
  4. 4 Final Result: For this individual, Medigap Plan G is estimated to cost $215.00 per month in 2026, offering robust coverage that virtually eliminates out-of-pocket costs for Medicare-approved services after meeting the Part B deductible. Compared to Plan N, which might be $170.00/month but has copays for doctor visits and ER, Plan G offers greater peace of mind for higher premium.

Source: CDC · Last updated: April 2026

Frequently Asked Questions

What is the difference between Medigap Plan F and Plan G?
Plan F covers the Part B deductible ($267 in 2026) while Plan G does not. Otherwise they are identical. Plan G often has lower premiums, so paying the deductible out of pocket and choosing Plan G typically saves money overall.
When is the best time to buy Medigap?
Your best window is the 6-month open enrollment period starting the month you turn 65 and are enrolled in Part B. During this period, insurers cannot deny coverage or charge more due to pre-existing conditions.
Can I switch Medigap plans later?
You can apply anytime, but outside your initial enrollment period, insurers in most states can use medical underwriting to deny coverage or charge higher premiums. A few states like New York and Connecticut guarantee issue year-round.

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