In 2025, the most sought-after Medicare Supplement Insurance plans are F, G, and N. Explore your options and compare benefits to see which plan aligns with your needs and budget.
Medicare Supplement Insurance (Medigap) is widely used alongside Original Medicare. Over half of beneficiaries on Original Medicare also carry a Medigap plan to help with out-of-pocket costs. See the most popular Medigap plans and our Medigap benefits overview.
Which Medigap plan is the most popular? According to the latest AHIP data, Plan G leads with roughly 39% of Medigap enrollment, followed by Plan F, then Plan N. Learn the differences in our Plan F vs Plan G guide and how to choose.
Why Plan G often leads: It offers broad coverage and is available to new Medicare beneficiaries, while Plan F is closed to those first eligible on or after January 1, 2020. Prefer lower premiums with some copays? Consider Plan N.
Enrollment Share Highlights
Plan G Overview and Costs
Plan G covers nearly all costs that Original Medicare does not, except the Part B deductible. The average monthly premium in 2025 is $156, or $1,872 annually. See average costs by plan letter in our cost guide and specifics for Plan G.
- Medicare Part A coinsurance and hospital costs
- Medicare Part B coinsurance or copayment
- First 3 pints of blood
- Part A hospice care copayment
- Skilled nursing facility coinsurance
- Medicare Part A deductible
- Medicare Part B excess charges
- Foreign travel emergency care – up to 80%
Plan N Overview and Costs
Plan N is a more budget-friendly alternative to Plan G, with typically lower premiums but higher copays in some situations. The average monthly premium in 2025 is $127.83, or $1,534 annually. See Plan N costs.
- Medicare Part A coinsurance and hospital costs
- Medicare Part B coinsurance or copayment
- First 3 pints of blood
- Part A hospice care copayment
- Skilled nursing facility coinsurance
- Medicare Part A deductible
- Foreign travel emergency care – up to 80%
Plan F Overview and Costs
Not available to those first eligible for Medicare on or after January 1, 2020. For those grandfathered in, it remains the most comprehensive Medigap plan. The average monthly premium in 2025 is $221.67, or $2,660 annually. See Plan F costs and High-deductible Plan F.
- Medicare Part A coinsurance and hospital costs
- Medicare Part B coinsurance or copayment
- First 3 pints of blood
- Part A hospice care copayment
- Skilled nursing facility coinsurance
- Medicare Part A deductible
- Medicare Part B deductible
- Medicare Part B excess charges
- Foreign travel emergency care – up to 80%
High-deductible Plan G Overview and Costs
Lower monthly premiums in exchange for a higher deductible before benefits begin. The average monthly premium in 2025 is $58.08, or $697 annually. See how it compares in the plan grid.
- Medicare Part A coinsurance and hospital costs
- Medicare Part B coinsurance or copayment
- First 3 pints of blood
- Part A hospice care copayment
- Skilled nursing facility coinsurance
- Medicare Part A deductible
- Medicare Part B excess charges
- Foreign travel emergency care – up to 80%
Plan J Note
Discontinued for new sales in 2010 but still kept by those enrolled prior to June 2010. Average monthly premium in 2025 is $154.67, or $1,856 annually.
Popularity Ranking of Medigap Plans
| Rank | Plan | Share | Compare |
|---|---|---|---|
| 1 | G | 39% | Compare Rates |
| 2 | F | 36% | Compare Rates |
| 3 | N | 10% | Compare Rates |
| 4 | C | 2.5% | Compare Rates |
| 5 | E | 1% | Compare Rates |
| 6 | H | 1% | Compare Rates |
| 7 | I | 1% | Compare Rates |
| 8 | J | 1% | Compare Rates |
| 9 | L | <0.5% | Compare Rates |
| 10 | M | <0.5% | Compare Rates |
Note: Percentages exclude waiver states. For state-specific details, browse all states.
Next Steps
Compare rates now: Visit our Compare Rates page and enter your ZIP to see real pricing in your area.