Medicare Supplement Plans Comparison Chart 2027
Medicare Supplement Plans Comparison Chart 2027: Benefits of All 10 Plans Side by Side
Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 29, 2026
A Medicare Supplement comparison chart shows which of the 10 standardized plans (A, B, C, D, F, G, K, L, M, N) pays each cost Original Medicare leaves behind. For 2027, Plans F and G pay the most, Plan N pays almost as much with small copays, and Plans K and L pay a share of costs until their 2027 out-of-pocket limits of $8,360 and $4,180.
2027 by the Numbers
10
standardized Medicare Supplement plans in 47 states and D.C.
$1,788
projected 2027 Part A deductible covered in full by B, C, D, F, G and N
$8,360 / $4,180
2027 Plan K / Plan L out-of-pocket limits (CMS)
Every Medicare Supplement plan with the same letter pays the same benefits, whichever company sells it. That is what makes a comparison chart useful: once you know what each letter pays, you only need to shop for price.
Below is the full benefit chart for 2027, followed by the dollar amounts each row refers to and the 2027 limits for Plans K and L. If you already know you are choosing between the most popular plans, our best Medicare Supplement plans for 2027 guide runs the cost math. For what is new across Medicare this year, see Medicare Supplement plans 2027.
Compare 2027 Medicare Supplement Plan Prices
The 2027 Medicare Supplement Benefits Chart
Read across a row to see which plans pay that cost. 100% means the plan pays the full gap. A percentage means the plan pays that share and you pay the rest, up to the plan’s yearly limit.
| Benefit | A | B | D | G | N | K | L | M | F* | C* |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance and hospital costs (365 extra days) | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Part B coinsurance or copay | 100% | 100% | 100% | 100% | 100%** | 50% | 75% | 100% | 100% | 100% |
| Blood (first 3 pints) | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% | 100% |
| Part A hospice coinsurance | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% | 100% |
| Skilled nursing coinsurance | — | — | 100% | 100% | 100% | 50% | 75% | 100% | 100% | 100% |
| Part A deductible | — | 100% | 100% | 100% | 100% | 50% | 75% | 50% | 100% | 100% |
| Part B deductible | — | — | — | — | — | — | — | — | 100% | 100% |
| Part B excess charges | — | — | — | 100% | — | — | — | — | 100% | — |
| Foreign travel emergency (up to plan limits) | — | — | 80% | 80% | 80% | — | — | 80% | 80% | 80% |
*Plans F and C are only for people eligible for Medicare before January 1, 2020. **Plan N: copays up to $20 for some office visits and up to $50 for ER visits that do not end in admission. Massachusetts, Minnesota and Wisconsin standardize plans differently.
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The 2027 Dollar Amounts Behind Each Row
A chart of percentages is easier to judge once you know the dollars. These are the Original Medicare amounts each row covers, using CMS figures where final and Medicare Trustees projections where CMS has not yet announced.
| Chart row | 2027 amount | Plans that pay it in full |
|---|---|---|
| Part A deductible | $1,788 per benefit period (projected) | B, C, D, F, G, N |
| Part B deductible | $292 (projected) | C, F |
| Part B coinsurance | 20% of approved amounts, no cap in Original Medicare | A, B, C, D, F, G, M, and N except copays |
| Part B excess charges | Up to 15% above Medicare’s approved amount | F, G |
| High-deductible F and G deductible | $3,050 (CMS) | Paid by you before high-deductible plans pay |
Projected figures come from the 2026 Medicare Trustees Report; CMS normally announces final Part A and B amounts in November.
Why the Part B coinsurance row matters most: Original Medicare has no yearly out-of-pocket cap. The 20% Part B share on a cancer treatment or surgery can reach tens of thousands of dollars, and every plan except K and L pays it in full.
Plan K and Plan L: How the 2027 Limits Work
Plans K and L are the only Medicare Supplement plans with a yearly out-of-pocket cap. They pay part of each cost until you reach the cap, then 100% of covered costs for the rest of the calendar year.
| Plan K | Plan L | |
|---|---|---|
| Share of most gaps the plan pays | 50% | 75% |
| 2027 out-of-pocket limit | $8,360 | $4,180 |
2027 limits from CMS. The Part B deductible counts toward the limit but is not paid by either plan.
Both plans usually cost less than Plan G. If you are weighing them, add the 2027 cap to a year of premium and compare that total with Plan G’s yearly premium plus the projected $292 Part B deductible.
Reading the Chart for the Most Popular Plans
Plan G versus Plan F. The only row that differs is the Part B deductible. F pays it, G does not, and F is closed to anyone new to Medicare since 2020.
Plan G versus Plan N. N drops excess charges and adds small office and ER copays. Every other row matches.
Plan N versus Plan D. D has no copays but skips excess charges too, and in many areas N is the more widely sold plan.
Plan M. Pays half the Part A deductible and is rarely offered, so check whether any company sells it in your state.
For the plan most people choose, read our Medicare Supplement Plan G 2027 guide.
What the Chart Does Not Show: Price
The chart tells you what a plan pays, never what it costs. Price depends on the company, your age, ZIP code, gender and tobacco use. New Jersey’s official September 2026 chart for a 65-year-old man shows how far apart prices are for the same benefits.
| Plan | Lowest monthly price | Highest monthly price |
|---|---|---|
| Plan G | $164.31 | $299.88 |
| Plan N | $119.90 | $200.84 |
| High-deductible Plan G | $50.83 | $92.08 |
Source: NJ Division of Aging Services, September 2026 rates. Your state’s prices will differ.
Use the benefits chart to pick your letter, then compare that letter’s price across companies. Our guide to comparing Medicare Supplement plans lists what to ask beyond price.
What No Medicare Supplement Plan Covers
Prescription drugs. Plans sold today do not include drug coverage. You need a Part D plan, which in 2027 has a deductible of up to $700 and a $2,400 out-of-pocket cap.
Routine dental, vision and hearing. Original Medicare does not cover most of these, so a supplement has no share to pay.
Long-term custodial care. Help with daily living in a nursing home is not covered by Medicare or Medicare Supplement plans.
If these extras matter more to you than broad doctor choice, compare the trade-offs in our Medicare Advantage guide.
Bottom Line
The 2027 Medicare Supplement comparison chart shows that Plans F and G pay the most, Plan N pays nearly as much with small copays, and Plans K and L cap your yearly costs at $8,360 and $4,180. Use the chart to choose your letter, then compare that same letter’s price across companies, because the benefits never differ.
Price the plans on this chart for your ZIP code
Medicare Supplement Comparison Chart 2027 — Frequently Asked Questions
➤ What does a Medicare Supplement comparison chart show?
It shows which of the 10 standardized plans pays each cost Original Medicare leaves behind, such as the Part A deductible, Part B coinsurance and excess charges. It does not show prices.
➤ Did the Medicare Supplement chart change for 2027?
The benefits on the chart did not change. The dollar amounts behind it did, including the $3,050 high-deductible F and G deductible and the $8,360 and $4,180 Plan K and L limits.
➤ Which plan on the chart covers the most?
Plan F covers every row, but only people eligible for Medicare before 2020 can buy it. For everyone else, Plan G covers every row except the Part B deductible.
➤ What is the difference between Plan G and Plan N on the chart?
Plan N does not cover Part B excess charges and adds copays of up to $20 for some office visits and up to $50 for ER visits that do not lead to admission. All other rows are the same.
➤ Do all states use the same chart?
All states except Massachusetts, Minnesota and Wisconsin use the same 10 lettered plans. Those three states standardize their plans differently.
➤ Why do Plans K and L show percentages?
They pay 50% (K) or 75% (L) of most gaps until you reach the yearly limit, then 100% for the rest of the year. The 2027 limits are $8,360 and $4,180.
➤ Is the Part B deductible on the chart final for 2027?
Not yet. The $292 figure is the Medicare Trustees’ projection, and CMS usually announces the final amount in November.
➤ Does the chart include drug coverage?
No. Medicare Supplement plans do not cover prescriptions, so you would add a separate Part D plan.
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Compare 2027 Plan G, Plan N and more from several insurance companies in one call.
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