Open Veils · Answer
What is the best medigap plan for 2027?
The 'best' Medigap plan is a financial risk calculus, not a brand decision. Plan G dominates new enrollment at 43% per AHIP's April 2026 report on NAIC data, but its high-deductible variant (HDG) offers $1,500–$2,000 in annual premium savings for healthy enrollees willing to absorb the $3,050 deductible. Plan N is the underrated middle path. Carrier selection within any plan type matters as much as plan letter, and ZIP-code-level pricing swings are substantial.
Evidence
- Per AHIP's April 2026 enrollment data, Plan G holds 43% of all Medigap enrollees, Plan F (closed to new Medicare entrants post-2020) holds 33%, and Plan N sits at 10% — meaning only Plan G, High-Deductible Plan G, and Plan N are live options for anyone entering Medicare in 2027.
- Standard Plan G covers everything after the Part B deductible ($283 in 2026; CMS had not released the 2027 figure as of early November 2026).
- High-Deductible Plan G flips that logic: you self-insure the first $3,050 in covered costs per year, then the plan mirrors standard Plan G completely.
- Plan N is structurally cheaper than standard Plan G but exposes enrollees to Part B excess charges (up to 15% above Medicare-approved amounts) and small copays per office and ER visit.
- On carriers: for 2027, policyguide.com's Plan G analysis names HealthSpring as the price leader on premiums, Humana as its closest competitive threat, and UnitedHealthcare AARP (rated 5.0 stars by Forbes Advisor, September 2026) as the standout for plan variety and member services.