Medicare Supplement Insurance (Medigap) helps California seniors and eligible disabled residents pay for healthcare costs not fully covered by Original Medicare, including deductibles, copayments, and coinsurance. California residents may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to beneficiaries who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in California
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 349,209 |
| 2 | G | 113,848 |
| 3 | N | 64,029 |
Did you know? California offers a unique “birthday rule” for Medigap enrollees. Each year, you have a 60-day window following your birthday to switch to another Medigap policy with equal or lesser benefits — without medical underwriting. This consumer-friendly protection makes it easier for Californians to change plans as their needs or premiums shift.
How Medigap Pricing Works in California
Premiums for Medigap coverage may increase differently depending on the pricing method insurers use. In California, policies may be priced under one of three models:
- Attained-age rated – Premiums rise as you age.
- Issue-age rated – Premiums are based on your age at purchase and may increase with inflation, not age.
- Community rated – All policyholders pay the same premium, regardless of age.
Under-65 Eligibility in California
California law requires insurers to make at least one Medigap plan available to beneficiaries under 65 who qualify due to disability or end-stage renal disease (ESRD). However, insurers are not required to charge the same premium to under-65 enrollees as they do for those aged 65 and older, so rates may be higher for younger beneficiaries.
Choosing a Medigap Plan in California
Plan F remains the most popular option in California, though it is closed to new enrollees. Plan G has become the go-to choice for new Medicare beneficiaries, while Plan N offers a more affordable alternative with modest copayments. With the birthday rule and guaranteed issue protections, Californians enjoy more flexibility in switching between Medigap plans than residents in most other states.
To explore premiums and compare plans available in your ZIP code, visit our Medigap rate comparison page.