Among all Medicare Supplement (Medigap) plans available today, Plan G has become the undisputed top choice for new Medicare enrollees — and its dominance is expected to grow heading into 2027. Searches for “Medicare Plan G 2027” have surged as seniors plan their coverage decisions months ahead of open enrollment. Understanding what Plan G will cost in 2027 and how to lock in the best rate is one of the highest-value financial decisions you can make. Here is everything you need to know.
What Does Medicare Plan G Cover?
Medicare Supplement Plan G is federally standardized — every insurer selling Plan G must offer identical benefits. The coverage never changes between companies, only the price does. Once you pay the Part B annual deductible ($283 in 2026), Plan G covers virtually all other Medicare-approved costs for the rest of the year, resulting in near-zero out-of-pocket medical costs beyond your monthly premium.
| Benefit | Plan G Coverage |
|---|---|
| Medicare Part A hospital coinsurance | 100% covered |
| Part A deductible ($1,736 in 2026) | 100% covered |
| Part A skilled nursing facility coinsurance | 100% covered |
| Medicare Part B coinsurance (20%) | 100% covered |
| Part B excess charges | 100% covered |
| Foreign travel emergency (80%) | Up to plan limits |
| Blood (first 3 pints) | 100% covered |
| Medicare Part B deductible ($283 in 2026) | NOT covered — you pay this once per year |
Medicare Plan G 2027 Rates: What to Expect
While CMS will not announce official 2027 Medigap rates until late fall 2026, based on current actuarial trends, here is what experts project for Plan G premiums in 2027:
- New enrollee at age 65 (national average): $130–$175/month (approximately 4–7% increase from 2026)
- Age 70 (attained-age rated): $155–$220/month
- Age 75: $185–$260/month
- High Deductible Plan G: $35–$65/month (but requires meeting a $2,950+ deductible first)
Premiums vary dramatically by state, ZIP code, gender, tobacco use, and the insurer’s rating method. Two identical Plan G policies from different companies in the same ZIP code can differ by $80–$100/month — comparison shopping is essential.
The 3 Rating Methods That Determine How Plan G Premiums Grow
1. Community-Rated (Best Long-Term Value)
Everyone pays the same premium regardless of age. Premiums increase only due to inflation and claims experience, not your birthday. Mandatory in New York, Connecticut, and Massachusetts.
2. Issue-Age-Rated
Your premium is set at enrollment age and does not increase as you age — only general inflation drives future increases. Locks in a relatively stable premium if you enroll at 65.
3. Attained-Age-Rated (Most Common Nationally)
Your premium increases each year as you age, plus general rate increases. Most Plan G policies sold nationally use this method. While premiums may start low at 65, they can become quite expensive by age 75–80. Strategic re-shopping every few years is essential to avoid overpaying.
Plan G vs. High-Deductible Plan G for 2027
The High Deductible Plan G requires you to pay approximately $2,950 before benefits kick in, but monthly premiums are dramatically lower — often $35–$65 vs. $130–$175 for standard Plan G. Annual premium savings of $900–$1,500 often offset the higher deductible for healthy seniors. However, if you have multiple chronic conditions requiring frequent specialist visits or procedures, standard Plan G typically saves money overall.
Medicare Plan G vs. Plan N for 2027
| Feature | Plan G | Plan N |
|---|---|---|
| Part B deductible | Not covered (you pay $283) | Not covered (you pay $283) |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Part B excess charges | 100% covered | NOT covered |
| Typical monthly premium (age 65) | $130–$175 | $100–$145 |
| Best for | Frequent users; certainty seekers | Healthy seniors who minimize visits |
5 Strategies to Get the Best Medicare Plan G Rate for 2027
- Enroll during your Medigap Open Enrollment Period (OEP) — the 6-month window starting when you turn 65 and enroll in Part B. No insurer can deny you or charge more due to health conditions during OEP.
- Compare multiple insurers in your ZIP code — use Medicare.gov’s Medigap Plan Finder or an independent Medicare broker (free to you) to see all available premiums side by side.
- Consider the insurer’s rate increase history, not just the current premium. Below-average annual increases over 5+ years are worth a higher starting premium.
- Check for household discounts — many insurers offer 5–12% discounts when two household members enroll with them.
- Re-shop every 2–3 years if your health allows — in most states, healthy seniors can switch Plan G policies to reduce premiums significantly.
Key 2027 Medicare Enrollment Dates
The Annual Enrollment Period (AEP) for Medicare Advantage and Part D plans runs October 15 – December 7, 2026 for coverage beginning January 1, 2027. Medigap plans do not have a universal annual open enrollment — your individual OEP window at age 65 is your primary protection. After that, switching requires medical underwriting in most states (exceptions: NY, CT, MA).
Related Articles You May Find Helpful
- Best Medigap Plans 2026: Which Medicare Supplement Saves Most?
- Medicare Part B Premium Hits $202.90 in 2026
- Medicare IRMAA 2026: How to Reduce Your High-Income Surcharge
- Medicare 2027 Changes: 9 Major Updates Every Senior Must Prepare For
- Medicare Advantage vs. Original Medicare 2026: Which Is Right for You?
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