Medicare Plan F vs Plan G 2027: Real Rate-Guide Prices and Who Can Still Buy F

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 29, 2026

Medicare Plan F and Plan G pay the same benefits except one: Plan F covers the Part B deductible ($283 in 2026) and Plan G does not. Only people eligible for Medicare before January 1, 2020 can buy Plan F, and in Nevada’s 2026 state rate guide Plan F cost $284 to $810 more per year than Plan G at five of the six well-known companies we checked.

The benefits are almost identical, so the useful questions are different: can you even buy Plan F, and does its extra premium cost more than the one deductible it covers?

To answer the second question with real numbers, we pulled every company that lists both plans in a state insurance department rate guide and did the math. For each plan on its own, see Medicare Supplement Plan F 2027 and Medicare Supplement Plan G 2027.

Both plans pay the Part A deductible ($1,736 in 2026), hospital and doctor coinsurance, Part B excess charges, skilled nursing and hospice coinsurance, the first three pints of blood and 80% of emergency care abroad. Both work with any doctor in the country who takes Medicare. The only line that differs is the yearly Part B deductible.

2026 amounts from CMS. The 2027 figure is the Medicare Trustees projection; CMS announces the final amount in November.

Federal law (MACRA) closed Plan F, High-Deductible Plan F and Plan C to anyone “newly eligible” for Medicare. The NAIC defines that as a person who turns 65 on or after January 1, 2020, or who first becomes eligible for Medicare because of age, disability or end-stage renal disease on or after that date.

One more rule matters: for newly eligible people, Plans D, G and High-Deductible G stand in for Plans C, F and High-Deductible F wherever the law gives a guaranteed issue right. Learn when those rights apply in our guide to guaranteed issue Medicare Supplement rules.

The Nevada Division of Insurance publishes a 2026 Medicare Supplement premium comparison guide. It lists yearly premiums for a 65-year-old female non-smoker in Las Vegas (ZIP 89102), based on its September 2024 survey. Fourteen companies list both Plan F and Plan G; the table below shows six of the best-known names.

Source: Nevada Division of Insurance, 2026 Medicare Supplement Insurance Premium Comparison Guide (attained-age rates). ‘Extra cost’ column is our calculation. A 65-year-old can buy Plan F only if eligible for Medicare before 2020.

Nevada’s own rates show how much the price of one plan letter swings: among the 14 companies listing both plans, Plan G alone ran from $1,885 to $4,044 a year. See more on Plan G cost in 2027.

Plan F only pays you back the Part B deductible, $283 in 2026. So the question for each company is whether the extra premium is bigger than $283. Here is what the six Nevada companies above show.

Real members feel this too. KFF found that people with Plan F paid an average of $325 a month in 2025, compared with $194 for Plan G. KFF links part of that gap to Plan F’s older, closed group of members, since no one new can join. Plan G pricing also rises over time; read about Plan G rate increases in 2027.

Both plans also come in a high-deductible version. You pay Medicare-covered costs up to a yearly deductible, then the plan pays like regular F or G. The deductible is $2,950 in 2026 and $3,050 in 2027 for both.

Source: Nevada Division of Insurance 2026 premium comparison guide.

With a deductible this large, the Part B deductible difference mostly washes out, and High-Deductible F is closed to the same newly eligible group as regular Plan F. Most new buyers who want this design choose High-Deductible Plan G for 2027.

Outside a guaranteed issue situation, a company can usually ask health questions before selling you Plan G. A few states give Plan F owners an easier path. Nevada is one: under NRS 687B.352, starting on the first day of your birthday month and for at least 60 days, your insurer must let you buy any of its Medicare Supplement policies with the same or fewer benefits. Plan G has fewer benefits than Plan F, so it qualifies.

Plan F and Plan G differ by one deductible, $283 in 2026. In Nevada’s state rate guide, Plan F’s extra premium beat that deductible at four of six companies, tied at one and lost at one. If you were eligible before 2020, price both plans at the same company before you decide; everyone else should compare Plan G across companies.