For 2027, the best Medicare Supplement plans for most people are Plan G and Plan N — and because the coverage in every lettered plan is set by law (learn more about medicare supplement (medigap) plans explained: a 2026 guide to every plan) (learn more about tax planning guide: optimize your retirement tax strategy) (learn more about the 12 best ways to live happy, healthy, and wealthy in retirement in 2026 and beyond) (learn more about allianz index advantage annuity review: independent analysis (2026)), the real decision is simply which insurance company offers that same plan at the lowest price in your area. Popular, well-rated carriers include AARP/UnitedHealthcare, Mutual of Omaha, Aetna, Cigna, (learn more about complete guide to in-home care: aging in place with support) and Blue Cross Blue Shield. Here is a clear, unhurried look at how the plans compare so you can choose with confidence ahead of the fall enrollment season (learn more about what is medicare advantage? the complete guide to medicare part c (2026)).

How Medigap Works — and Why "Best" Means Price

Medicare Supplement insurance, also called Medigap, helps pay the costs that Original Medicare leaves behind — things like deductibles, copays, and coinsurance. You keep Original Medicare, and the Medigap plan fills in the gaps.

Here is the part that surprises many people: Medigap plans are standardized by the federal government. A Plan G from one company offers the exact same benefits as a Plan G from any other company. Because the coverage is identical, the price and the company's service are what truly separate one option from another. That is why comparing rates is the single most important step you can take.

The Best Medigap Plans for 2027

Plan G — The Most Popular Choice

Plan G is the top pick for people newly eligible for Medicare. It covers nearly everything Original Medicare does not, with one exception: you pay the annual Part B deductible yourself. After that, your covered costs are almost entirely taken care of. For predictable, comprehensive coverage, Plan G is hard to beat and remains the standard many people compare everything else against.

Plan N — A Lower-Premium Option

Plan N usually comes with a lower monthly premium than Plan G in exchange for small copays — typically up to $20 for some office visits and up to $50 for an emergency room visit that does not lead to admission. If you do not visit the doctor often, Plan N can save you money over the year while still offering strong coverage.

High-Deductible Plan G — For Lower Monthly Cost

High-Deductible Plan G offers the same benefits as regular Plan G, but you pay a set deductible before coverage begins. In return, the monthly premium is much lower. This can be a smart fit if you are generally healthy, prefer a low monthly bill, and can handle a larger cost in a year you happen to need more care.

A Note on Plan F

Plan F, once the most comprehensive option, is no longer available to people who became eligible for Medicare in 2020 or later. If you already have Plan F, you can keep it — but for anyone choosing a plan for 2027, Plan G is the closest equivalent.

Top-Rated Medigap Carriers for 2027

Since the benefits are identical, focus on price stability, financial strength, and customer service. These carriers consistently earn strong marks:

• AARP / UnitedHealthcare — the largest Medigap provider, with wide availability and a familiar name.
• Mutual of Omaha — known for competitive Plan G rates and a strong financial rating.
• Aetna — broad plan availability and frequent new-customer discounts.
• Cigna — competitive pricing in many states and useful member extras.
• Blue Cross Blue Shield — strong local presence and recognition, with rates that vary by state affiliate.

Availability and pricing differ by ZIP code, so the best carrier for your neighbor may not be the best for you.

What Medigap Costs in 2027

Your premium depends on the plan letter, your age, your ZIP code, tobacco use, and how the company sets its rates. Plan G premiums commonly fall in the range of roughly $130 to $200 a month, with Plan N often lower and High-Deductible Plan G lower still. Because the same plan can vary widely in price between companies, shopping several carriers can save you hundreds of dollars a year for identical coverage.

When to Enroll — and Why Timing Matters

The best time to buy Medigap is during your Medigap Open Enrollment Period — the six months that begin when you are 65 or older and enrolled in Medicare Part B. During this window, companies must sell you any plan they offer at their best rate, regardless of your health. Miss it, and you may face medical underwriting that can raise your price or limit your choices. If you are approaching this window ahead of 2027, it is worth planning early.

How to Choose Your Plan

Take it one step at a time:

1. Decide how you like to pay — steady premiums with few surprises (Plan G) or lower premiums with small copays (Plan N).
2. Pick the plan letter that matches that preference.
3. Compare that exact plan across several highly rated carriers in your ZIP code.
4. Choose the company with the best combination of price, financial strength, and service.

The Bottom Line

Choosing a Medigap plan for 2027 is simpler than it first appears. Pick the plan letter that fits how you want to pay — Plan G for comprehensive peace of mind, Plan N or High-Deductible Plan G for a lower monthly cost — then compare that identical plan across trusted carriers and take the best price. A little comparison now can mean the same coverage for far less, year after year.

This article is for education only and is not affiliated with Medicare or any government agency. For free, unbiased help, you can also contact your State Health Insurance Assistance Program (SHIP).