Medicare Supplement Plan G 2027

This is the part most comparison sites skip, and it matters more than the first-year premium.

Carriers use one of three pricing methods, and which one your policy uses determines how your premium behaves for the next twenty years:

Ask which method a carrier uses before you buy. Two Plan G policies at the same price today can be hundreds of dollars apart per month by the time you’re 80.

Plan G covers the Part A hospital deductible, Part A and Part B coinsurance, Part B excess charges, skilled nursing facility coinsurance, the first three pints of blood, hospice coinsurance, and 80% of foreign travel emergency care to plan limits. The only Medicare cost it doesn’t cover is the annual Part B deductible, which was $283 in 2026. It does not include prescription drug coverage.

Plan G premiums are filed by carrier and by state, and vary with your age, ZIP code and in most states tobacco use. There is no single national price. Because benefits are federally standardized, a Plan G quote from one carrier is directly comparable to a Plan G quote from another, so price differences are pure savings. Compare quotes for your own ZIP code to know your actual cost.

Standard Plan G leaves you responsible for the annual Medicare Part B deductible, which was $283 in 2026. High-Deductible Plan G carries a separate plan deductible of $2,950 in 2026 before coverage begins. The 2027 amounts are announced in the fall, but the structure stays the same — only the dollar figures change.

It depends on how often you use care. Plan G has no office visit or emergency room copays and covers Part B excess charges; Plan N charges up to $20 per office visit and up to $50 per emergency room visit, and doesn’t cover excess charges. Plan N’s premium is lower. If your annual premium saving on Plan N exceeds what you’d spend on copays, Plan N wins — otherwise Plan G does.

The benefits are identical to standard Plan G — only the deductible and premium differ. The 2026 gap between the two deductibles is $2,667, so high-deductible Plan G makes mathematical sense only if it saves you more than that in annual premium. It suits people in good health with the cash reserves to absorb a bad year, and it’s the wrong choice in any year you need significant care.

No. Medicare Supplement plans sold today do not include prescription drug coverage, so Plan G enrollees need a separate Part D plan. For 2027 the Part D annual out-of-pocket cap is $2,400, up from $2,100 in 2026, and the standard deductible is $700, up from $615. Budget for your Plan G premium and your Part D costs together.

Yes. Medigap benefits are standardized by federal law, so Plan G covers exactly the same services no matter which carrier sells it. Carriers compete on price, rate stability and customer service rather than coverage. Massachusetts, Minnesota and Wisconsin standardize their plans differently, so the letter system works differently in those three states.

Rates rise with medical inflation and claims experience, and how much depends on the carrier’s pricing method. Attained-age policies also increase as you get older, on top of general increases. Issue-age policies are priced on your age at purchase and don’t rise with birthdays. Community-rated policies charge everyone in the state the same. Ask which method applies before you buy — it can mean hundreds of dollars a month by age 80.

Your Medigap Open Enrollment Period lasts six months, beginning the month you’re 65 or older and enrolled in Medicare Part B. During that window carriers must sell you Plan G at their standard rate regardless of your health. This right is one-time and does not repeat. Outside it, most states allow medical underwriting, meaning a carrier can charge more or decline coverage based on your health history.

You can apply at any time, but outside your Medigap Open Enrollment Period or a guaranteed issue situation, most states allow the carrier to medically underwrite your application — meaning they can charge more or decline you. A few states have more generous rules permitting changes without underwriting, so check your state specifically rather than assuming the national default.