What’s the Most Popular Medicare Supplement Insurance Plan?

Medicare Supplement Insurance is popular. More than half of all beneficiaries enrolled in Original Medicare have a Medicare Supplement Insurance plan, otherwise known as “Medigap.”

But which Medicare Supplement Insurance plan is the most popular?

The most popular Medicare Supplement Insurance plan is Medigap Plan G with about 39% of all Medigap beneficiaries having this plan, according to the most recent statistics from America’s Health Insurance Plans (AHIP).

Popular Medigap Plans: Plan F vs. Plan G vs. Plan N vs. Plan C

Plan G is the most popular Medicare Supplement plan. Medigap Plan C, Plan F and Plan N are the next most popular Medicare Supplement Insurance plans. 

What are the Top 5 Medicare Supplement Plans?

The most popular Medigap plans include:

• 39% of Medicare Supplement beneficiaries are enrolled in Plan G. Learn more about Medicare Part G costs.
• 36% of all Medicare Supplement beneficiaries are enrolled in Plan F
• 10% of Medicare Supplement beneficiaries are enrolled in Plan N
• 2.5% of Medicare Supplement beneficiaries were enrolled in Plan C
  
  

1. Plan G:

Plan G is a comprehensive Medigap Plan and it covers nearly all out-of-pocket costs that aren't covered with Original Medicare. The only thing Plan G doesn't cover is the Part B deductible. The average price for Medigap Plan G in 2025 is $156 per month ($1,872 annually)¹. 

The main coverage features of Medigap Plan G include:

• Medicare Part A Coinsurance and Hospital Costs
• Medicare Part B Coinsurance or Copayment
• First 3 Pints of Blood
• Part A Hospice Care Copayment
• Coinsurance for Skilled Nursing Facility
• Medicare Part A Deductible
• Medicare Part B Excess Charges
• Foreign Travel Emergency Care Costs - Up To 80%

Plan G is popular because it provides this extensive coverage and is available to all new Medicare beneficiaries (Unlike Plan F which as been discontinued to new Medicare beneficiaries).

2. Plan N:

Plan N is seen as a slightly more cost-effective plan compared to Plan G. It still offers comprehensive coverage, but you may pay higher copays. The average price for Medigap Plan N in 2025 is $127.83 per month ($1,534 annually)¹.

The main coverage features of Medigap Plan N include:

• Medicare Part A Coinsurance and Hospital Costs
• Medicare Part B Coinsurance or Copayment
• First 3 Pints of Blood
• Part A Hospice Care Copayment
• Coinsurance for Skilled Nursing Facility
• Medicare Part A Deductible
• Foreign Travel Emergency Care Costs - Up To 80%

3. Plan F:

Plan F is no longer offered to new Medicare beneficiaries, but it is still available to Medicare beneficiaries who have been eligible for Medicare prior to January 1st, 2020. Plan F is the most comprehensive Medigap Plan and fills in all gaps left by Original Medicare. That being said, because it's been discontinued to new beneficiaries, the costs rise as the Plan F population continues to age. The average price for Medigap Plan F in 2025 is $221.67 per month ($2,660 annually)¹.

The main coverage features of Medigap Plan F include:

• Medicare Part A Coinsurance and Hospital Costs
• Medicare Part B Coinsurance or Copayment
• First 3 Pints of Blood
• Part A Hospice Care Copayment
• Coinsurance for Skilled Nursing Facility
• Medicare Part A Deductible
• Medicare Part B Deductible
• Medicare Part B Excess Charges
• Foreign Travel Emergency Care Costs - Up To 80%

4. High-Deductible Plan G:

For those that are looking for broad and extensive coverage while still having lower monhtly premiums, the high-deductible version of Medigap Plan G might be a good option for you. You'll be offered lower monthly premiums but you'll have a higher deductible before your plan starts assisting in payments. This helps to keep the monthly premiums lower. The average price for the High-Deductible Medigap Plan G in 2025 is $58.08 per month ($697 annually)¹.

The main coverage features of Medigap High-Deductible Plan G include:

• Medicare Part A Coinsurance and Hospital Costs
• Medicare Part B Coinsurance or Copayment
• First 3 Pints of Blood
• Part A Hospice Care Copayment
• Coinsurance for Skilled Nursing Facility
• Medicare Part A Deductible
• Medicare Part B Excess Charges
• Foreign Travel Emergency Care Costs - Up To 80%

5. Plan J:

Medigap Plan J was discontinued in 2010, and is not available to new Medicare beneficiaries, but it is still available to those beneficiaries who enrolled in Plan J prior to June 2010. It is very similar to Medigap Plan F but it also included coverage for at-home recovery care and preventive care.  The average price for the Plan J in 2025 is $154.67 per month ($1,856 annually)¹.

The main coverage features of Medigap Plan J include:

• Medicare Part A Coinsurance and Hospital Costs
• Medicare Part B Coinsurance or Copayment
• First 3 Pints of Blood
• Part A Hospice Care Copayment
• Coinsurance for Skilled Nursing Facility
• Medicare Part A Deductible
• Medicare Part B Deductible
• Medicare Part B Excess Charges
• Foreign Travel Emergency Care Costs - Up To 80%
• At-home recovery care (up to $1,600)
• Preventive care (up to $120 a year)

Comparing Medigap Plans

The table below ranks the popularity of the 10 Medicare Supplement plan options currently available for purchase in most states.

These plans are standardized everywhere except Minnesota, Massachusetts, and Wisconsin, which have different options.

Plan G and Plan N Are the Fastest Growing Plans

Because Plan F and Plan C are no longer available to new Medicare beneficiaries who became eligible for Medicare after January 2020, Plan G is now the Medicare Supplement plan option that covers more Medicare costs than any other Medicare Supplement plan available to new Medicare beneficiaries.

Plan N has the third-highest share of enrollment. Plan N may be popular partly because it covers a number of Medicare costs but is structured in a way to keep monthly plan premiums low relative to other plans with similar coverage.

Was Medicare Supplement Plan F the Best?

One reason Plan F used to be the most popular Medicare Supplement plan may be that it offers coverage for more out-of-pocket Medicare costs than any other type of standardized Medicare Supplement plan. Beneficiaries with Plan F may face little to no out-of-pocket Medicare expenses, because Plan F pays for Medicare deductibles, copays and other costs for most Medicare-covered services. 

Plans F and C are often called “first-dollar coverage” Medigap plans because each covers all of the Medicare deductibles and coinsurance.

However, Plan F (along with Medigap Plan C) is not available to Medicare beneficiaries who first became eligible for Medicare on or after January 1, 2020. If you became eligible for Medicare before Jan. 1, 2020, you may still be able to enroll in Plan F or Plan C if they are offered where you live.

If you already had Plan F or Plan C, you will be able to keep it after 2020.

Another reason for Plan F’s popularity may be because there is also a high-deductible version of the plan. The high-deductible version typically offers a lower monthly premium in exchange for having to meet a deductible ($2,870 in 2025) before coverage kicks in. There is also a high-deductible Plan G available in many areas of the country.

What Do the Most Medicare Supplement Plans Cover?

The chart below shows which benefits are covered by each of the 10 standardized Medicare Supplement Insurance plans available in most states. Take note of how Plan F and Plan G coverage compares to other plans, particularly plans like Plan A and Plan B. 

How Much Do the Most Popular Medicare Supplement Plans Cost?

Many Medicare beneficiaries may choose a Medicare Supplement plan based on the monthly premiums and costs the plan will cover.

The chart below illustrates the average cost of each type of Medicare Supplement plan.¹

How Do Medicare Supplement Companies Determine Plan Costs?

Medicare Supplement Insurance companies can charge different premiums for policies depending on a number of factors, including age and location. 

Monthly premiums can change over time, especially if you purchase a plan that factors your age into its pricing strategy.

Ask a licensed insurance agent about how the company determines its rates before you purchase a plan. Medicare Supplement policies can be priced in one of three ways:

• Community-rated
  Also called no-age-rated, these policies cost the same amount for everybody on that particular type of Medicare Supplement plan, regardless of how old you were when you bought it. Older people are not charged more per month with these plans.

• Issue-age-rated
  Premiums are lower for younger buyers of these types of Medicare Supplement Insurance plans, as they are priced according to when you purchase the policy (or when the policy was issued to you). Your monthly premium is determined at the start of your policy and does not continue to go up over time due to age.

• Attained-age-rated
  With these plans, premiums always correspond to your current age (or the age you have “attained”). Premiums increase over time to reflect the increased risk to the insurer as you get older. These may start out relatively inexpensive, but they often become the most expensive Medigap plans over time.

Note: Premiums can always go up over time due to inflation or other factors, regardless of the company’s pricing structure.

Why Should I Compare Medicare Supplement Plans?

Comparison shopping is important because two different insurance companies could charge you a different price for a plan with the same benefits.

For example, every Plan G policy provides the same benefits, but two insurers may charge you very different prices for a Plan G policy.

Comparing plan prices from multiple insurance carriers helps ensure that you get a competitive rate for the plan you want.

Medicare beneficiaries can enroll in any available Medigap plan, regardless of its popularity. Despite this, is it helpful to review the options and reasons why hundreds of thousands or even millions of people choose one plan over another.

Enrolling in a Medicare Supplement Plan

If you enroll in Medicare Supplement during your Medigap open enrollment period (the six months after you are at least age 65 and enrolled in Medicare Part B), insurance companies cannot refuse to sell you a Medigap policy or charge you more for a plan based on your health history.

There may be other times when you have guaranteed issue rights that prevent insurance companies from using medical underwriting to determine your monthly Medicare Supplement plan premium.

A licensed insurance agent can help you find out if you're eligible to switch Medicare Supplement plans or purchase one for the first time without having to undergo medical underwriting.

A licensed insurance agent can also help you compare Medicare Supplement plans and rates in your area. Agents can answer your Medicare questions and help you find the right plan for your needs.