Medigap Plan Comparison Calculator

Choosing among Medicare Supplement plans A, F, G, and N comes down to weighing what each one covers against what it costs each month, and this tool lines up those trade-offs. The stakes are real: in 2026 the Part A hospital deductible is $1,736 and the Part B deductible is $283, and the plan you pick decides how much of those costs you absorb yourself versus how much your coverage handles.

The premium estimate is a rough range, not insurer rate data. Each plan starts from a fixed monthly figure (Plan A $120, Plan N $140, Plan G $190, Plan F $220) that rises 3% for every year of age past 65; the calculator shows 80% to 130% of that figure as the monthly range and 12 times the midpoint as the annual estimate. It does not use your ZIP code or gender. On the coverage side, the plans follow the standardized benefits Medicare defines: Plan F covers both the Part A and Part B deductibles and Part B excess charges, but only people eligible for Medicare before January 1, 2020 can buy it; Plan G covers the same except the Part B deductible; Plan N also leaves out excess charges and has copays of up to $20 for some office visits and up to $50 for ER visits that don't lead to admission; Plan A covers neither deductible.

An estimate is only a starting point, and your actual premium can land well above or below it depending on your health, an insurer's underwriting, and how the insurer prices the policy, whether community-rated, issue-age-rated, or attained-age-rated. Because identical benefits can carry very different price tags, pulling direct quotes from several insurers before you commit is the surest way to know what you will really pay.