Medicare Supplement Plan G is the most popular Medigap plan for people new to Medicare, and it stays that way in 2027. Its benefits don’t change, but the deductibles, premiums and your options for switching do.
Below is everything that’s new for Plan G in 2027: what it covers, the 2027 numbers, what drives your premium, how high-deductible Plan G compares and when you can switch. For every plan side by side, see our guide to Medicare Supplement Plans 2027.
Key Takeaway
Plan G covers the same things in 2027 that it did in 2026. Your only out-of-pocket cost is the Part B deductible, projected at about $292. What changes is the price, so 2027 is the year to compare your Plan G rate against other companies.
Plan G 2027 at a glance
What’s New for Plan G in 2027
Plan G’s benefits are fixed by federal law, so a 2027 Plan G pays the same claims as a 2026 Plan G. These are the numbers that move:
| Medicare Cost | 2026 | 2027 |
|---|---|---|
| Part B deductible (what Plan G leaves you) | $283 | About $292 projected; final amount announced in November |
| High-deductible Plan G deductible | $2,950 | $3,050 |
| Part A hospital deductible (Plan G pays it) | $1,736 | Announced in November |
| Part D drug deductible (separate drug plan) | Up to $615 | Up to $700 |
| Part D out-of-pocket cap | $2,100 | $2,400 |
Sources: CMS 2027 Medigap high-deductible announcement, CMS 2027 Part D parameters and the 2026 Medicare Trustees Report projection for the Part B deductible.
Good news if you already have Plan G: when the Part A deductible and coinsurance go up in 2027, Plan G pays the higher amounts. Only the Part B deductible increase comes out of your pocket.
What Plan G Covers in 2027
After Original Medicare pays its share, Plan G pays the rest of your Medicare-approved costs:
| Benefit | Plan G in 2027 |
|---|---|
| Part A deductible | Covered in full, including any 2027 increase |
| Hospital coinsurance | Covered, plus up to 365 extra hospital days after Medicare benefits run out |
| Skilled nursing and hospice | Skilled nursing coinsurance for days 21 to 100 and hospice coinsurance covered |
| Part B coinsurance | The 20% Medicare leaves for doctor visits, outpatient care and equipment |
| Part B excess charges | Covered, so doctors who charge up to 15% above Medicare’s rate can’t bill you the difference |
| Blood and foreign travel | First three pints of blood, and 80% of emergency care abroad after a $250 deductible |
| Part B deductible | Not covered: about $292 projected for 2027 |
Like every Medigap plan, Plan G does not cover prescription drugs, routine dental, vision or hearing, or long-term custodial care. Pair it with a Part D drug plan.
What Plan G Costs in 2027
You pay a monthly premium plus the Part B deductible. Because every company sells the identical Plan G, the premium is the only real difference between them, and it can vary by more than $100 a month in the same ZIP code. These factors set your 2027 price:
ZIP code
tobacco use
discount
method
The three ways companies price Plan G
Household discounts can make a real difference. Mutual of Omaha offers up to 12% in many states, and Aetna’s discount is commonly 7%. For more on typical prices, see the average cost of Plan G.
Why Plan G Premiums Go Up
Most companies raise Plan G rates once a year, often on your policy anniversary. Rising medical costs, the company’s own claims and, with attained-age pricing, your age all play a part. A company with a low starting price and fast increases can cost more over time than one that starts higher, so look at rate history, such as Mutual of Omaha’s Plan G rate increase history.
Got a rate increase letter? You don’t have to accept it. The same Plan G from another company may cost less, and an agent can check whether you qualify to switch before you cancel anything.
Plan G vs High-Deductible Plan G in 2027
Standard Plan G
High-Deductible Plan G
The worst-case math
With high-deductible Plan G, the most extra you could pay in 2027 is about $2,758: the $3,050 deductible minus the roughly $292 you’d pay on standard Plan G anyway. If the yearly premium savings are bigger than that, high-deductible Plan G wins even in a year with big medical bills.
Plan G vs Plan N in 2027
| Feature | Plan G | Plan N |
|---|---|---|
| Part B deductible | You pay it | You pay it |
| Office visit copays | None | Up to $20 for some visits |
| ER copays | None | Up to $50 if not admitted |
| Part B excess charges | Covered | Not covered |
| Premium | Higher | Lower |
If you’re healthy and rarely see the doctor, Medicare Supplement Plan N can save you money. See the full Plan G vs Plan N breakdown.
Switching to Plan G in 2027
Good to know: The October 15 to December 7 Annual Enrollment Period is for Medicare Advantage and Part D. It does not give you a right to change Medicare Supplement plans without health questions.
Plan G Companies to Compare in 2027
Mutual of Omaha
Long service record and up to 12% off in many states. Mutual of Omaha Plan G
Aetna
Plan G and high-deductible Plan G in many states. Aetna Medicare Supplement
Blue Cross Blue Shield
Local Blue plans with options that vary by state. BCBS Medicare Supplement
Physicians Mutual
Another established Plan G option to price against. Physicians Mutual
The Bottom Line
Plan G stays the most complete Medigap plan for new enrollees in 2027, with only the Part B deductible, about $292, to pay. Benefits don’t change, but prices do, and the same Plan G can cost far less from another company. Compare 2027 Plan G rates on this page or call 1-888-891-0229 and a licensed agent will shop every top company for you at no cost.
Frequently Asked Questions About Plan G 2027
➤ What is Medicare Supplement Plan G for 2027?
Plan G is a standardized Medigap plan that works alongside Original Medicare. In 2027 it still covers every Medicare-approved cost except the Part B deductible, which is projected at about $292 for 2027.
➤ What does Plan G cover in 2027?
Plan G covers the Part A deductible, hospital coinsurance plus 365 extra hospital days, skilled nursing and hospice coinsurance, Part B coinsurance, Part B excess charges, the first three pints of blood and 80% of foreign travel emergency care. The only gap it leaves is the Part B deductible.
➤ Do Plan G benefits change in 2027?
No. Federal law sets Plan G’s benefits, so 2027 Plan G covers exactly what it covered in 2026. What changes each year are the premiums each company charges and the Medicare deductibles and coinsurance amounts Plan G pays.
➤ How much will Plan G cost in 2027?
Your 2027 Plan G premium depends on your age, ZIP code, gender, tobacco use, household discount and the company’s pricing method. Most companies adjust rates once a year, so the same Plan G can cost very different amounts from one company to the next.
➤ What is the Plan G deductible for 2027?
Plan G has no deductible of its own. You pay the Medicare Part B deductible, which is $283 in 2026 and projected at about $292 for 2027, with the final amount announced in November. High-deductible Plan G has a $3,050 deductible in 2027.
➤ Is high-deductible Plan G worth it in 2027?
It can be. The most extra you could pay with high-deductible Plan G is about $2,758 a year, the gap between its $3,050 deductible and the projected Part B deductible. If its yearly premium savings are bigger than that, it comes out ahead even in a year with large medical bills.
➤ Can I switch to Plan G if my Medicare Advantage plan ends in 2027?
Usually, yes. If your Medicare Advantage plan is leaving Medicare or your area, you generally have a guaranteed issue right to buy certain Medigap plans with no health questions, which for most people include Plan G. You can usually apply up to 60 days before your plan ends and up to 63 days after.
➤ Can I switch Plan G companies in 2027 for a lower rate?
Usually yes, but in most states the new company can ask health questions. Some states give extra protection, such as birthday rules in California and Oregon and year-round guaranteed issue in New York and Connecticut.
➤ Is Plan G better than Plan N in 2027?
Plan G covers more, with no copays and coverage for Part B excess charges. Plan N has a lower premium but charges up to $20 for some office visits and up to $50 for ER visits that don’t end in admission, so it often fits healthy people who rarely see the doctor.
➤ How do I get 2027 Plan G rates?
Enter your ZIP code in the quote tool on this page to compare 2027 Plan G rates from top companies in your area. You can also call 1-888-891-0229 and a licensed agent will compare plans and help with the application at no cost.
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.