If you’ve done any Medicare research, chances are you’ve heard of Medigap Plan G and maybe even Plan N. But what many people don’t realize is that there are actually 10 different Medicare Supplement plans, several of which are still available—and often overlooked. While a few have faded in popularity or availability, seven Medigap plans are still being sold in most states today. And depending on your needs and budget, one of these lesser-known options might be a better fit than you think.
In this post, we’ll explore the Medigap plans that are still available in 2026, explain what each one covers (and what it doesn’t), and help you decide which ones are actually worth considering. Let’s start by looking at what Medigap plans are designed to do.
Why Medicare Supplement Plans Exist
Original Medicare (Parts A and B) covers a lot—but not everything. You’re still responsible for deductibles, copays, and a 20% coinsurance on Part B services. These costs can add up fast, especially during a hospital stay or outpatient treatment.
That’s where Medigap comes in. These standardized plans help cover the “gaps” in Medicare—so your out-of-pocket exposure is dramatically reduced.
Medigap Plans: A Quick Overview
The 10 Medigap plans are labeled A through N, but not every plan is widely available. Currently, seven plans are still actively offered in most states:
- Plan A
- Plan B
- Plan G
- Plan K
- Plan L
- Plan N
- Plan F (only available if you started Medicare before Jan 1, 2020)
Plans C, D, and M have all but disappeared from carrier offerings. So we’ll focus on the seven that still matter.
What Each Plan Covers
Here’s a simplified look at what you get with each of the lesser-known plans—and whether they’re worth exploring:
Plan A
Covers only the most basic gaps. It pays your Medicare Part A coinsurance and hospital costs, and your Part B coinsurance—but that’s about it.
Bottom line: Extremely limited coverage. Few people choose this.
Plan B
Adds coverage for the Part A deductible—but skips skilled nursing, Part B excess charges, and foreign travel.
Bottom line: Slightly better than Plan A, but still very limited.
Plan K
Covers 50% of most gaps (instead of 100%) and includes a cap on annual out-of-pocket costs—$7,060 in 2026.
Bottom line: Low premium, but high risk if your health needs grow.
Plan L
Similar to Plan K, but covers 75% of eligible costs and caps your out-of-pocket at $3,530.
Bottom line: Better than Plan K, but still exposes you to more risk than Plans G or N.
Plan N
One of the most popular alternatives to Plan G. Covers most major gaps but has:
- A small annual deductible (the Part B deductible)
- A $20 copay for doctor visits
- A $50 copay for ER visits (if not admitted)
- Potential exposure to excess charges
Also includes limited foreign travel coverage.
Bottom line: A great value for people who are comfortable with occasional copays.
Plan G
Covers all Medicare gaps except the small annual Part B deductible. No copays, no surprises, and includes foreign travel coverage.
Bottom line: The most comprehensive option for new enrollees. About 70% of our clients choose Plan G.
Plan F (only available if you started Medicare before Jan 1, 2020)
Covers all gaps—including the Part B deductible.
Bottom line: Full coverage, but comes at a premium. Fewer people are enrolling today, so rate increases tend to be higher.
What About Price?
All Medigap plans are standardized—meaning the coverage is identical regardless of the insurance company. A G plan is a G plan, whether it’s from Carrier A or Carrier Z.
But prices vary based on:
- Your age
- Your ZIP code
- Your gender
- Whether you qualify for household discounts
Some carriers offer more competitive rates than others in your area—and that’s where shopping around matters.
Picking the Right Plan for You
The most popular plans we recommend today are Plan G and Plan N. Why?
- Plan G gives you near-total protection with no unexpected bills.
- Plan N offers strong coverage at a slightly lower premium, with manageable copays.
Plans K and L may appeal to people who want lower premiums and are okay with higher exposure. Plans A and B are rarely worth the trade-offs.
One Last Note: Don’t Miss Your Enrollment Window
If you’re turning 65 or starting Medicare Part B for the first time, you have a 6-month Medigap Open Enrollment Period. During that time, you can choose any Medigap plan with no health questions asked.
After that? You may have to pass medical underwriting—and coverage could be denied or cost significantly more.