Medicare Supplement Insurance (Medigap) helps Pennsylvania seniors and eligible disabled residents pay for healthcare costs not fully covered by Original Medicare, including deductibles, copayments, and coinsurance. Pennsylvania 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 Pennsylvania
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 222,927 |
| 2 | G | 207,386 |
| 3 | N | 104,965 |
Did you know? Pennsylvania has one of the highest enrollments in Plan N nationwide — with more than 100,000 beneficiaries. While Plan F and Plan G remain dominant, the rapid growth of Plan N shows that many Pennsylvanians are choosing lower premiums with modest cost-sharing.
How Medigap Pricing Works in Pennsylvania
Medigap premiums may rise differently depending on the pricing method insurers use. In Pennsylvania, plans may follow one of three models:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age when you purchase the policy and may rise with inflation, not age.
- Community rated – Everyone pays the same premium, regardless of age.
Under-65 Eligibility in Pennsylvania
Pennsylvania law requires insurers to offer at least one Medigap plan to Medicare beneficiaries under 65 who qualify due to disability or end-stage renal disease (ESRD). Importantly, insurers cannot charge these policyholders higher premiums than those applied to age-65 beneficiaries — a consumer protection not available in many other states.
Choosing a Medigap Plan in Pennsylvania
Plan F remains the largest Medigap plan in Pennsylvania, though Plan G is gaining rapidly. Plan N stands out in the state for its unusually high enrollment, reflecting its appeal as a cost-saving alternative. Every Medigap policy can be used nationwide with providers who accept Medicare, ensuring Pennsylvania residents have consistent coverage whether they receive care in Philadelphia, Pittsburgh, or across the country.
To review premiums and compare plan options available in your area, visit our Medigap rate comparison page.