Compare Medicare Supplement Plans 2027: Plans, Prices and Your State's Rules
Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 29, 2026
To compare Medicare Supplement plans, pick the plan letter that fits your budget, then compare that same letter from several insurance companies, because the coverage is identical and only the price and service differ. For 2027 most people choose between Plan G, Plan N and high-deductible Plan G, and the price for the very same Plan G can differ by more than $1,600 a year from one company to the next.
2027 by the Numbers
15
states with a Medigap birthday rule as of July 2026, letting you switch plans each year around your birthday
$1,627
yearly gap between the lowest and highest Plan G price for identical coverage (New Jersey September 2026 chart, man 65, our math)
$3,050
2027 high-deductible Plan G deductible (CMS)
6 months
Medigap open enrollment window that starts when you are 65 or older and enrolled in Part B
Original Medicare pays most of your hospital and doctor bills, but it leaves you with deductibles, 20% coinsurance and no yearly cap on what you can owe. A Medicare Supplement plan, also called Medigap, is private insurance that pays those leftover costs. This site exists for one job: helping you compare those plans side by side before you buy.
Start with the big picture below, then jump into the guide that matches where you are: our Medicare Supplement plans 2027 overview, the 2027 comparison chart, or your state’s page.
Compare 2027 Medicare Supplement Rates
What a Medicare Supplement Plan Pays That Medicare Does Not
Every Medicare Supplement plan sits on top of Original Medicare. Medicare pays its share of an approved bill first, and your supplement pays some or all of what is left. The table shows the main gaps you face without one in 2027.
| Medicare gap in 2027 | What you would owe on your own | Plans that pay it |
|---|---|---|
| Part A hospital deductible | $1,788 per benefit period (projected) | B, C, D, F, G and N in full; K and M 50%; L 75% |
| Part B deductible | $292 a year (projected) | C and F only (new enrollees cannot buy them) |
| Part B coinsurance | 20% of every approved doctor and outpatient bill, with no yearly cap | All plans (K and L pay part, N has small copays) |
| Part B excess charges | Up to 15% above Medicare’s approved amount | F and G |
| Foreign travel emergencies | The full bill outside the U.S. | C, D, F, G, M, N (80% after a deductible, up to plan limits) |
2027 Part A and Part B deductibles are Medicare Trustees projections; CMS announces the final amounts, usually in November.
Broker tip: The 20% Part B coinsurance is the gap that hurts most, because Original Medicare has no yearly out-of-pocket maximum. On a big run of outpatient treatment, 20% of every bill stays with you, with no ceiling, unless a supplement picks it up.
Compare Medicare Supplement Plans
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Compare 2027 Plan G, Plan N and more from several insurance companies in one call.
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Our 2027 Medicare Supplement Guides
We are rebuilding this site for 2027, one plain-English guide at a time. Each one is reviewed by a licensed broker and uses official 2027 figures where they exist.
The 10 plans for 2027. What changes next year and who each plan fits, in our Medicare Supplement plans 2027 guide.
Side-by-side benefits. Every plan letter in one table on the comparison chart 2027.
The most popular plan. What you still pay with Medicare Supplement Plan G 2027.
Which plan is best for you. Our picks by budget and health in the best Medicare Supplement plans 2027.
Ready to shop companies instead of letters? Our six-point checklist to compare Medicare Supplement plans for 2027 covers pricing method, rate history and discounts.
Medicare Supplement Rules Change by State
The plan letters are federal, but your state decides when you can switch plans without answering health questions. That one rule can matter more than any price difference, because it decides whether you can shop again next year.
Birthday rule states. California, Delaware, Idaho, Illinois, Indiana, Kentucky, Louisiana, Maryland, Nevada, Oklahoma, Oregon, Utah, Virginia, West Virginia and Wyoming give you a yearly window around your birthday to switch plans, usually to equal or lesser coverage, without health questions. New Mexico is scheduled to add a birthday rule in 2027.
Year-round switching. Connecticut, New York, Vermont and Washington offer year-round open enrollment for Medigap, each with its own eligibility rules.
Different plans entirely. Massachusetts, Minnesota and Wisconsin do not use the A-through-N letters. They standardize their own plans, so national comparison charts do not apply there.
Everywhere else. Outside your open enrollment period and federal guaranteed issue rights, a company can ask health questions and decline you or charge more.
Our state guides cover local rules and companies: Washington, Oregon, Virginia, Oklahoma, Kentucky and California. Updated 2027 state pages are on the way.
Why the Same Plan Costs So Much More at Some Companies
Because a Plan G is a Plan G at every company, price is the main thing you are comparing. New Jersey publishes every company’s rates side by side, which makes it a clean real-world test. Using its September 2026 chart for a 65-year-old man, we multiplied the monthly gap between the cheapest and most expensive company by 12.
| Plan | Lowest monthly price | Highest monthly price | Yearly gap for identical coverage (our math) |
|---|---|---|---|
| Plan G | $164.31 | $299.88 | $1,626.84 |
| Plan N | $119.90 | $200.84 | $971.28 |
| High-deductible Plan G | $50.83 | $92.08 | $495.00 |
Source: New Jersey Division of Aging Services Medigap rate chart, September 2026, man age 65. Prices in your state and at your age will differ.
The cheapest company is not automatically the best buy. A low starting price can come with steeper yearly increases, so look at how a company prices the plan and how its rates have moved before you choose.
When You Can Buy or Switch a Medicare Supplement Plan
Timing decides whether you are guaranteed a plan at a standard price. Many people miss this, especially in the fall.
Your Medigap open enrollment period. Six months that start the first month you are both 65 or older and enrolled in Part B. During this window a company cannot turn you down or charge more because of your health.
Guaranteed issue rights. Certain events, such as losing employer coverage or leaving a Medicare Advantage plan during a trial period, give you a short window to buy specific plans without health questions.
Your state’s rule. If you live in a birthday rule or year-round state, you may get extra chances to switch each year.
Any other time. You can apply whenever you like, but the company can use health questions to decide.
Fall enrollment myth: The October 15 to December 7 Medicare open enrollment period is for Medicare Advantage and Part D drug plans. It does not give you a right to switch Medicare Supplement plans, and a Medigap application in the fall can still ask about your health.
How to Compare Plans With Us
Enter your ZIP code. Prices are set by state, ZIP code, age, sex and tobacco use, so quotes start with where you live.
Choose one or two plan letters. Most people compare Plan G, Plan N and high-deductible Plan G.
Line up companies for the same letter. Compare price, pricing method, household or other discounts, and the company’s financial strength rating.
Check your enrollment rights. Confirm whether you are in open enrollment, have a guaranteed issue right, or will face health questions.
Talk it through with a licensed agent. A licensed agent can quote several companies at once. There is no cost to compare and no obligation to enroll.
Comparing takes a few minutes, and on Plan G alone the difference between companies can be worth well over a thousand dollars a year.
Bottom Line
Comparing Medicare Supplement plans comes down to three choices: the plan letter, the company and the timing. Pick the letter that matches your budget, compare that same letter across companies, and buy while your state’s rules protect you from health questions.
Compare 2027 Medicare Supplement plans in your ZIP code
Compare Medicare Supplement Plans — Frequently Asked Questions
➤ Is a Medicare Supplement plan the same as Medigap?
Yes. Medigap is the common name for Medicare Supplement insurance. Both terms mean the private plans that help pay the costs Original Medicare leaves behind.
➤ Can I switch Medicare Supplement plans during fall open enrollment?
Not automatically. The October 15 to December 7 period covers Medicare Advantage and Part D plans. Switching a Medicare Supplement plan in the fall usually means answering health questions unless your state gives you a separate right.
➤ What is the Medigap birthday rule?
It is a state law that gives you a short yearly window around your birthday to switch to another Medicare Supplement plan, usually with equal or lesser benefits, without health questions. As of July 2026, 15 states had one.
➤ Which states let me change Medicare Supplement plans at any time?
Connecticut, New York, Vermont and Washington offer year-round open enrollment for Medigap, each with its own eligibility rules. In most other states, switching outside your open enrollment period can involve health questions.
➤ Do I have to answer health questions to get a Medicare Supplement plan?
Not during your six-month Medigap open enrollment period or when you have a guaranteed issue right. Outside those times, most companies can ask health questions and may decline you or charge more.
➤ How many Medicare Supplement plans are there in 2027?
There are 10 standardized plan letters in most states: A, B, C, D, F, G, K, L, M and N, plus high-deductible versions of F and G. Plans C and F are only for people eligible for Medicare before 2020.
➤ Why are Medicare Supplement plans different in Massachusetts, Minnesota and Wisconsin?
These three states standardized their own Medigap plans before the federal letters were set, so they use their own plan designs instead of Plans A through N.
➤ Does it cost anything to compare plans here?
No. Comparing plans and getting quotes is free, and there is no obligation to enroll in anything.
Compare Medicare Supplement Plans
Call a Licensed Agent Now
Compare 2027 Plan G, Plan N and more from several insurance companies in one call.
No obligation to enroll