Medicare Plan Comparison 2026
Compare Original Medicare, Medicare Advantage, and Medigap supplemental plans side by side.
Original Medicare (Parts A + B)
$185.00/mo
Part B premium only (Part A is $0 with 40+ quarters)
- See any doctor that accepts Medicare
- No referrals needed for specialists
- No network restrictions
- Covers 80% of approved costs after deductible
- No out-of-pocket maximum
- Can add Medigap for gap coverage
- Must add separate Part D for drugs
- No dental, vision, or hearing
Medicare Advantage (Part C)
$0–$200/mo
On top of Part B premium
- Includes Part A + B coverage
- Usually includes Part D
- Annual out-of-pocket maximum
- Often includes dental, vision, hearing
- May include gym membership, OTC benefits
- Network restrictions (HMO/PPO)
- May need referrals for specialists
- Lower premiums, higher cost-sharing
Original Medicare + Medigap
$445.00/mo
Part B + Medigap Plan G estimate
- Most comprehensive coverage
- Predictable out-of-pocket costs
- See any Medicare doctor nationwide
- No network restrictions
- Covers Part A deductible & coinsurance
- Foreign travel emergency coverage
- Must add separate Part D for drugs
- Higher monthly premium
Medigap (Supplement) Plans — 2026 Rates
Medigap plans are sold by private insurers and help cover costs that Original Medicare doesn't pay. Rates shown are national averages for age 65, non-smoker.
| Plan | Avg. Monthly Premium | Coverage |
|---|---|---|
| Plan A | $180.00 | Basic benefits only |
| Plan B | $205.00 | Basic + Part A deductible |
| Plan C | $250.00 | Basic + Part A & B deductibles + foreign travel |
| Plan D | $220.00 | Basic + Part A deductible + skilled nursing + foreign travel |
| Plan F | $280.00 | Most comprehensive (closed to new enrollees after 2020) |
| Plan G | $260.00 | Like Plan F minus Part B deductible |
| Plan K | $105.00 | 50% cost-sharing, $7,060 OOP limit |
| Plan L | $145.00 | 75% cost-sharing, $3,530 OOP limit |
| Plan M | $195.00 | 50% Part A deductible + basic |
| Plan N | $190.00 | Like Plan G with copays for office/ER visits |
Note: Plan F is closed to new enrollees who became eligible for Medicare after January 1, 2020. Plan G is the most popular Medigap plan for new enrollees.
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