Medicare Supplement Insurance (Medigap) helps Illinois seniors and eligible disabled residents cover costs not fully paid by Original Medicare, including deductibles, copayments, and coinsurance. Illinois 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 people who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Illinois
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 402,300 |
| 2 | G | 281,943 |
| 3 | N | 55,357 |
How Medigap Pricing Works in Illinois
Insurers use different pricing models to set Medigap premiums, which affects how costs increase over time. In Illinois, plans may be rated in three ways:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age at purchase and rise with inflation, not age.
- Community rated – Everyone pays the same premium, regardless of age.
Under-65 Eligibility in Illinois
Illinois requires insurers to offer at least one Medigap plan to people under 65 who qualify for Medicare due to disability or end-stage renal disease (ESRD). Premiums for these enrollees cannot exceed the highest premium charged to beneficiaries age 65 or older, making Illinois one of the more consumer-friendly states for younger Medicare recipients.
Choosing a Medigap Plan in Illinois
Although Plan F still has the largest enrollment, many new beneficiaries are choosing Plan G for its balance of coverage and affordability, or Plan N for lower premiums. Every Medigap plan is accepted nationwide by any provider that takes Medicare, giving Illinois residents peace of mind whether they’re receiving care in Chicago, Springfield, or beyond.
To see current premiums and compare plans side by side, visit our Medigap rate comparison page.