2026 Medicare Plan G Changes

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2026 Medicare Plan G Changes

Welcome to your definitive guide to Medicare Plan G for 2026. If you are preparing to enroll in Medicare, you are likely navigating a sea of new terms, letters, and options that can feel incredibly complex. You hear about Part A, Part B, Part C, Part D, and then a whole other alphabet of “Plans” like F, G, and N. It’s enough to make anyone’s head spin. [2026 Medicare Plan G Changes]

This article is here to be your calm, clear, and steady guide. We are going to focus on what has become the most popular and comprehensive choice for new Medicare beneficiaries: Medicare Plan G. We will break down exactly what this plan is, who can get it, and the critical deadlines you must not miss. We will take an exhaustive look at what it covers, what it doesn’t, and most importantly, we will demystify the so-called “changes” for 2026. Our mission is to replace confusion with confidence, so you can understand why Plan G is considered the gold standard of coverage and decide if it is the right choice for you. [2026 Medicare Plan G Changes]

Let’s start at the very beginning by clarifying what Plan G is. First, it’s important to know that Plan G is not a part of the government’s Original Medicare. Instead, Medicare Plan G is a type of Medicare Supplement Insurance, also known as Medigap. Think of Original Medicare (Part A and Part B) as your primary health insurance. It covers a lot, but it leaves behind “gaps” in coverage, like deductibles and a significant 20% coinsurance that you are responsible for paying. A Medigap plan is a separate, private insurance policy that you buy to work alongside your Original Medicare, filling in the gaps. It’s like financial “gap insurance” for your health, designed to pay for the costs that Medicare doesn’t. Plan G is simply one of the ten standardized Medigap plans available, and it has risen to become the most popular choice for new enrollees due to its comprehensive nature. [2026 Medicare Plan G Changes]

Who is eligible to purchase a Medicare Plan G policy? To qualify, you must first be enrolled in both Medicare Part A and Medicare Part B. Additionally, there is a key rule to understand that determines who can buy which Medigap plan. A law passed in 2015, known as MACRA, changed the landscape for Medigap plans. As of January 1, 2020, Medigap plans are no longer allowed to cover the Medicare Part B deductible. This means that Plan F, which was formerly the most popular plan because it covered everything, is no longer available to people new to Medicare. If you became eligible for Medicare before January 1, 2020, you can still buy a Plan F. However, if you are turning 65 in 2026, Plan G is the most comprehensive Medigap plan you can purchase. [2026 Medicare Plan G Changes]

The deadline for enrolling is the most critical piece of the puzzle. You have a one-time, six-month Medigap Open Enrollment Period. This is your golden ticket. This period automatically begins on the first day of the month that you are both 65 or older and enrolled in Medicare Part B. During these six months, you have guaranteed issue rights. This means that insurance companies are legally required to sell you any Medigap plan they offer, including Plan G. They cannot deny you coverage or charge you a higher premium because of any pre-existing health conditions, whether it’s diabetes, a heart condition, or a past cancer diagnosis. If you miss this six-month window and try to apply for a Plan G later, you will likely have to go through medical underwriting, and the insurance company can deny your application based on your health history. For this reason, securing your Medigap plan during this initial window is one of the most important decisions you will make. [2026 Medicare Plan G Changes]

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How Plan G Works: Your Financial Shield Against Medicare’s Gaps

To truly appreciate the power of Plan G, we must first take a detailed look at the problem it is designed to solve: the significant out-of-pocket costs of Original Medicare. While Medicare Part A and Part B provide excellent foundational coverage, they were never designed to cover 100% of your costs.

The Problem: The Gaps in Original Medicare (Projected for 2026)

• The Part A Hospital Deductible: When you are admitted to a hospital, you are responsible for a large deductible for each “benefit period.” In 2026, this deductible is projected to be approximately $1,676. [2026 Medicare Plan G Changes]
• Part A Hospital Coinsurance: For very long hospital stays, you have to pay a daily coinsurance. For days 61-90 in 2026, this is projected to be around $419 per day. [2026 Medicare Plan G Changes]
• Skilled Nursing Facility Coinsurance: After the first 20 days of a covered stay, you are responsible for a daily coinsurance. For days 21-100 in 2026, this is projected to be around $209.50 per day. [2026 Medicare Plan G Changes]
• The Part B 20% Coinsurance: This is the biggest and most dangerous gap. After you meet your small annual Part B deductible, you are responsible for 20% of the cost of all your doctor visits, outpatient procedures, and medical equipment. Crucially, there is no annual limit on this 20% responsibility. A $100,000 cancer treatment could leave you with a $20,000 bill. [2026 Medicare Plan G Changes]

The Solution: A Detailed Look at Plan G’s Comprehensive Coverage

Medicare Plan G acts as a nearly complete financial shield, stepping in to pay for almost all of these gaps. When you have Plan G, your cost-sharing for Medicare-covered services becomes incredibly simple and predictable. Here is a line-by-line breakdown of what Plan G covers: [2026 Medicare Plan G Changes]

• Part A Deductible: Covered 100%. That projected $1,676 hospital bill is paid for by your Plan G.
• Part A Coinsurance and Hospital Costs: Covered 100%. It also provides you with an additional 365 lifetime reserve days for hospital stays.
• Part A Hospice Care Coinsurance or Copayment: Covered 100%. [2026 Medicare Plan G Changes]
• Skilled Nursing Facility Coinsurance: Covered 100%. That projected $209.50 per day for days 21-100 is paid for by your Plan G.
• Part B Coinsurance or Copayment: Covered 100%. This is the most important benefit. The uncapped 20% financial risk is completely eliminated. Whether your doctor bill is for $100 or $100,000, Plan G pays the 20% share for you. [2026 Medicare Plan G Changes]
• Part B Excess Charges: Covered 100%. This is a key benefit that protects you from a rare but possible billing situation. Some doctors do not accept Medicare’s approved payment amount as payment in full. They are legally allowed to charge you up to 15% more than the Medicare-approved amount. This extra 15% is called an “excess charge.” Plan G pays this for you, so you don’t have to worry about finding doctors who “accept assignment.”
• First Three Pints of Blood: Covered 100%. [2026 Medicare Plan G Changes]
• Foreign Travel Emergency: Covers 80% of the cost of emergency care you receive outside of the United States, up to a lifetime limit of $50,000.

The One Thing You Pay: The Annual Part B Deductible

With Plan G, your financial responsibility for all Medicare-approved hospital and medical services for the entire year is boiled down to one single, small, and predictable cost: the annual Part B deductible. [2026 Medicare Plan G Changes]

• For 2026, the Part B deductible is projected to be approximately $250.

Let’s see this in action with an example:

Imagine Sarah enrolls in Plan G in 2026.

1. Her first doctor visit: In February, she visits her primary care doctor. The bill is $150. Since this is her first medical service of the year, she pays the full $150. She has now paid $150 toward her $250 Part B deductible. [2026 Medicare Plan G Changes]
2. Her second doctor visit: In March, she sees a specialist. The bill is $250. She pays the remaining $100 of her Part B deductible. [2026 Medicare Plan G Changes]
3. Her deductible is now met: She has now paid a total of $250 out-of-pocket for the year. For the rest of that specialist bill, Medicare pays 80% and her Plan G pays the remaining 20%.
4. For the rest of the year: From that point forward, for every single doctor visit, hospital stay, surgery, or any other Medicare-covered service she receives for the rest of 2026, she will pay $0. Medicare will pay its share, and her Plan G will pay the rest.

This incredible simplicity and predictability is why Plan G is so highly valued. You know at the start of the year that your maximum out-of-pocket exposure for all Medicare-covered services will be just that one small deductible. [2026 Medicare Plan G Changes]

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The “Changes” for 2026: Understanding Value and Cost

This is the most important section for understanding the 2026 landscape. Many people ask, “What are the changes to Plan G for next year?” The answer can be confusing, so let’s be very clear. [2026 Medicare Plan G Changes]

The Big Clarification: Plan G Benefits DO NOT Change

This is the fundamental truth of Medigap. The benefits of a Plan G are standardized by the federal government. This means a Plan G sold in 2026 will have the exact same medical benefits as a Plan G sold in 2025 or any other year. The list of what it covers—the Part A deductible, the 20% coinsurance, etc.—is set in stone. [2026 Medicare Plan G Changes]

So, when we talk about “changes,” we are not talking about a change in the plan’s design. Instead, we are talking about changes in the value it provides and the cost you pay for it. [2026 Medicare Plan G Changes]

Change #1: The Value of Your Coverage Automatically Increases

Because Plan G’s job is to pay for the gaps in Original Medicare, its value is directly tied to the size of those gaps. As the costs of Medicare go up, the value of your Plan G coverage goes up right along with it. [2026 Medicare Plan G Changes]

• The Part A Deductible: As this deductible is projected to rise from $1,632 in 2025 to around $1,676 in 2026, the value of the Plan G benefit that pays this for you automatically increases by that same amount. You are being protected from a higher cost without your plan’s benefits having to change at all. [2026 Medicare Plan G Changes]
• The 20% Coinsurance: As the cost of medical care, surgeries, and treatments continues to rise with inflation, the dollar amount of that 20% coinsurance also gets bigger. The value of your Plan G, which covers that 20% no matter how large it gets, becomes more powerful every single year. [2026 Medicare Plan G Changes]

Change #2: The Cost You Pay (Your Responsibility) Will Increase Slightly

The one cost that Plan G does not cover is the annual Part B deductible. [2026 Medicare Plan G Changes]

• As this deductible is projected to rise from $240 in 2025 to approximately $250 in 2026, the total amount a Plan G member is responsible for out-of-pocket for the year will also increase by a small amount. [2026 Medicare Plan G Changes]

Change #3: Your Monthly Premium Will Likely Increase

This is the change that most directly affects your budget. The monthly premium you pay to the private insurance company for your Plan G policy is almost certain to increase in 2026. It is important to understand why this happens. [2026 Medicare Plan G Changes]

• Medical Inflation: Healthcare costs consistently rise faster than general inflation. As doctors, hospitals, and drug companies charge more, the insurance plans that pay those bills must also charge more to cover the increased costs. [2026 Medicare Plan G Changes]
• Your Age: The vast majority of Medigap plans sold today use “attained-age” pricing. This means your premium is based on your current age, and it will go up each year as you get older. A 66-year-old will pay slightly more than a 65-year-old, and so on. [2026 Medicare Plan G Changes]
• Insurance Company Rate Adjustments: Each year, every insurance company analyzes its costs and the claims paid out for its pool of policyholders. Based on this data, they will implement a rate increase for the upcoming year. This is why the premium for the exact same Plan G can vary significantly from one company to another. [2026 Medicare Plan G Changes]

For a 65-year-old enrolling in a new Plan G in Florida in 2026, they can expect monthly premiums to be in the range of $180 to $250 per month, depending on the insurance company, their gender, and their specific location. This will likely be 3-6% higher than the average premiums were for new enrollees in 2025. [2026 Medicare Plan G Changes]

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Completing Your Coverage: What Plan G Doesn’t Cover

While Plan G provides nearly seamless coverage for hospital and medical services, it is not all-encompassing. To have a complete healthcare portfolio, you need to find solutions for the things it does not cover. [2026 Medicare Plan G Changes]

Prescription Drugs (The Biggest Gap)

Medicare Supplement plans, including Plan G, do not cover prescription drugs. This is a critical piece of information. To get help with the cost of your medications and, more importantly, to avoid the lifelong Late Enrollment Penalty, you must enroll in a separate stand-alone Medicare Part D Prescription Drug Plan (PDP). You will pay a separate monthly premium for this plan. [2026 Medicare Plan G Changes]

Routine Dental, Vision, and Hearing Care

Original Medicare and Medigap Plan G do not cover routine care for your teeth, eyes, or ears. This includes: [2026 Medicare Plan G Changes]

• Dental cleanings, fillings, crowns, and dentures.
• Eye exams for glasses, and the glasses or contact lenses themselves.
• Hearing aids and the exams to fit them.

To cover these items, you have two main options:

1. Purchase a Stand-Alone DVH Plan: Many insurance companies offer private Dental, Vision, and Hearing plans that you can buy in addition to your Medigap plan. These plans have their own monthly premiums and provide a specific set of benefits for these services. [2026 Medicare Plan G Changes]
2. Consider a Different Path (Medicare Advantage): If these benefits are a top priority and you are willing to accept network restrictions, a Medicare Advantage (Part C) plan might be a better fit, as these plans often bundle dental, vision, and hearing coverage into their package. [2026 Medicare Plan G Changes]

Long-Term Care

This is the single largest gap in all of Medicare. Plan G helps cover short-term, skilled care in a nursing facility for rehabilitation. It does not cover long-term custodial care, which is help with daily activities like bathing, dressing, and eating. This type of care, whether at home or in a facility, must be paid for out-of-pocket or with a separate long-term care insurance policy. [2026 Medicare Plan G Changes]

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Is Plan G Right for You? A 2026 Decision Guide

Plan G is a phenomenal choice for many, but it’s not the only choice. Here is how to think about whether it fits your specific needs. [2026 Medicare Plan G Changes]

Plan G is Likely a Perfect Fit if:

• You Want Maximum Peace of Mind: If you are the type of person who wants to budget for your healthcare and never worry about a surprise bill from a hospital or doctor, Plan G is tailor-made for you. Its predictability is its greatest strength. [2026 Medicare Plan G Changes]
• You Travel Frequently or are a “Snowbird”: Because Plan G works with Original Medicare, you have the freedom to see any doctor or visit any hospital in the entire United States that accepts Medicare. There are no networks. This is an essential feature for people who spend significant time in different states.
• You Have Complex Health Needs: If you have a serious health condition and need to consult specific specialists at renowned medical centers, Plan G provides you with the freedom to do so without worrying about referrals or network restrictions. [2026 Medicare Plan G Changes]

Comparing Plan G to Plan N

For those looking for the comprehensive coverage of Medigap but wanting a lower monthly premium, Plan N is the closest alternative to Plan G. [2026 Medicare Plan G Changes]

• Similarities: Like Plan G, Plan N covers the 20% coinsurance in full. [2026 Medicare Plan G Changes]
• Differences: In exchange for a lower monthly premium (often $30-$50 less), with Plan N, you agree to pay a small copayment of up to $20 for some doctor visits and a $50 copayment for an ER visit that doesn’t result in an inpatient admission. Plan N also does not cover Part B excess charges.
• The 2026 Decision: For many healthy people, a Plan N can be a great way to save money on premiums. However, for those who visit the doctor frequently or want the absolute simplest, most seamless coverage, Plan G remains the superior choice. [2026 Medicare Plan G Changes]

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Finding Your Guide in a Complex Market

We have taken a thorough and detailed journey into the world of Medicare Plan G. We’ve seen that while its core benefits remain stable and unchanging, its cost and value are constantly evolving. The most important decision you will make in 2026 is not just whether to get a Plan G, but which of the dozens of insurance companies to buy it from. Because the benefits are identical, the only difference between a Plan G from Company A and a Plan G from Company B is the price you pay and the company’s reputation for service and rate stability.

Shopping all of these companies and comparing their rates and histories on your own can be a daunting task. This is why working with an experienced, independent, licensed insurance agent is so valuable. Think of an agent as your personal shopper. They can take your information and instantly compare the prices for the exact same Plan G from all the major carriers in your area, saving you time and potentially a lot of money.

It is also crucial to understand that this expert service is provided to you at absolutely no extra cost. When you enroll in a plan through an agent, the insurance company pays them a commission.¹⁰ The premium you pay is legally required to be the same whether you use an agent or buy directly from the company. This system is designed to give you access to free, unbiased, and professional advice.

The security and predictability offered by Medicare Plan G are unmatched, but navigating the market to find the best value is key. It is usually best to use a licensed insurance agent, such as Steve Turner of SteveTurnerInsuranceSpecialist.com. Steve Turner is a licensed Agent/Broker contracted with most Medicare Insurance Carriers. An expert like Steve can help you understand all the nuances of the 2026 Medigap market, find the most competitively priced Plan G for you, and ensure you have a solid foundation of health coverage that will give you peace of mind for all the years to come.

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