Why Medicare Supplement Plan G Is Still the Best Value in 2026
Reviewed by Galit Sacajiu MD, MPH
Medicare Supplement Plan G has become the most popular Medigap plan for new enrollees, and for good reason: it offers near-complete coverage at a reasonable price.
What Plan G Covers
Plan G covers everything Original Medicare (Parts A and B) doesn't pay, with one exception:
- •✓ Part A deductible ($1,736 per benefit period in 2026)
- •✓ Part A coinsurance and hospital costs
- •✓ Part A hospice care coinsurance
- •✓ Part B coinsurance and copayments (the critical 20%)
- •✓ Skilled nursing facility coinsurance
- •✓ Foreign travel emergency (up to plan limits)
- •✗ Part B deductible ($283 in 2026) — you pay this yourself
That one gap — the $283 Part B deductible — is the only out-of-pocket cost you have with Plan G.
Why Plan G Replaced Plan F
Until January 1, 2020, Plan F was the most popular Medigap plan because it covered even the Part B deductible. But the Medicare Access and CHIP Reauthorization Act (MACRA) eliminated Plan F for new enrollees starting in 2020.
Plan G stepped in as the most comprehensive plan available to new enrollees. For most people, the math works out similarly: the premium difference between Plan G and Plan F historically exceeds the $283 deductible you pay with Plan G.
How Much Does Plan G Cost?
Plan G premiums vary significantly by state, age, and insurer. As of 2026, expect to pay roughly: - Ages 65–70: $90–$160/month (varies by state) - Ages 75–80: $130–$220/month - Ages 80+: $160–$280/month
Since Medigap benefits are standardized, always compare at least 3–4 carriers in your state before buying — prices for the same Plan G can vary by 40%+.
Plan G vs. Plan N
Plan N is Plan G's main competitor. It has lower premiums but adds small copays: up to $20 for doctor visits and $50 for emergency room visits (waived if admitted). If you're healthy and rarely visit the doctor, Plan N's lower premium may save you money overall.
Compare both options using our [Medigap plan guide](/medicare-supplement).