There are ten standardized Medigap plans — labeled A, B, C, D, F, G, K, L, M, and N. "Standardized" is the magic word: a Plan G covers the exact same benefits no matter which company sells it. Only the price changes. So comparing plans isn't about carriers — it's about deciding which letter fits you. Here's the whole picture.
The 2026 Medigap Benefit Chart
Down the left are the gaps Original Medicare leaves. Across the top are the plans. A checkmark means the plan covers that gap 100%; a percentage means it covers that share; a dash means it doesn't cover it.
| Benefit (the gap it fills) | A | B | C | D | F | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance + 365 extra hospital days | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B coinsurance / copayment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓* |
| Blood (first 3 pints) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A hospice coinsurance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Skilled nursing facility coinsurance | — | — | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A deductible ($1,736 in 2026) | — | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ |
| Part B deductible ($283 in 2026) | — | — | ✓ | — | ✓ | — | — | — | — | — |
| Part B excess charges | — | — | — | — | ✓ | ✓ | — | — | — | — |
| Foreign travel emergency | — | — | 80% | 80% | 80% | 80% | — | — | 80% | 80% |
| Yearly out-of-pocket limit (2026) | — | — | — | — | — | — | $8,000 | $4,000 | — | — |
The 3 Plans People Actually Choose
Here's the shortcut. Out of all ten, the vast majority of people today land on one of these three:
Plan G
Covers everything except the small Part B deductible ($283). Pay that once a year and you're essentially at $0 after. The gold standard.
Plan N
Lower premium than G in exchange for small copays (up to $20 office, $50 ER). Great for healthy folks who want to trim the monthly cost.
High-Deductible G
The lowest premium. You cover costs up to $2,950 in 2026, then it becomes full Plan G. Best for the healthy who rarely use care.
The Other Plans — Worth Knowing, Rarely Chosen
- Plan F — the most complete plan ever offered (it even covers the Part B deductible). Only available if you were Medicare-eligible before January 1, 2020. For newcomers, Plan G is the closest match.
- Plans K & L — the "cost-sharing" plans. They cover 50% (K) or 75% (L) of many gaps in exchange for lower premiums, and they're the only plans with a yearly out-of-pocket cap ($8,000 for K, $4,000 for L in 2026). Good for healthy savers who want a hard ceiling.
- Plan M — covers half the Part A deductible for a lower premium. Rarely sold.
- Plans A, B, D — older, lighter plans. They exist, but most people find G or N a better value.
So Which Letter Is Right for You?
Since the coverage is fixed by law, choosing really comes down to two questions: how much do you want to pay monthly, and how much surprise are you comfortable with?
- Want the fewest surprises? Plan G. Highest premium, near-zero out-of-pocket.
- Want to save a bit and you're fairly healthy? Plan N, with its small copays.
- Want the lowest possible premium? High-Deductible G, if you rarely use care.
Common Questions
Which Medigap plan is the most popular?
What's the difference between Plan G and Plan N?
Is Plan F still available?
Do all states offer all 10 plans?
Since coverage is identical, does the company matter?
Your Next Step
You've now got the whole chart. The letter you choose sets your coverage; the carrier we choose sets your price. Here's how to finish it:
- Watch the video above — we read the chart together in plain English.
- Book a Blueprint consultation — we'll help you pick the right letter and shop every carrier for your lowest stable rate.
Your blueprint is waiting. Let's build it together.