Medigap Plan G vs Plan N 2027 Comparison Calculator
Compare Medigap Plan G vs Plan N 2027 monthly premiums, office and ER copays, Part B excess exposure, and 10-year lifetime cost. Free Medicare Supplement plan comparison — no sign-up, runs in your browser.
| Cost Item | Plan G | Plan N |
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What is the difference between Medigap Plan G and Plan N?
Medigap Plan G is the most comprehensive Medicare Supplement plan available to new enrollees in 2027. It covers all Original Medicare gaps except the Part B deductible — Part A and Part B coinsurance, hospice copays, skilled nursing facility coinsurance, the Part A deductible, foreign travel emergency, and Part B excess charges. Plan N covers most of the same gaps but charges a $20 office-visit copay, a $50 emergency-room copay (waived if admitted), and does not cover Part B excess charges or the Part B deductible.
In exchange for those copays, Plan N premiums typically run $25–$50 per month lower than Plan G. For light Medicare users with predictable healthcare, Plan N can save $300–$600 per year. For frequent users or those in states that allow Part B excess charges, Plan G usually wins after copays and excess fees are tallied.
How to use this Plan G vs Plan N calculator
Enter your quoted monthly premium for both Plan G and Plan N from any Medigap carrier (UnitedHealthcare, Mutual of Omaha, Aetna, Cigna, Humana). Add your annual office and ER visits — these become Plan N copays. Estimate your Part B excess exposure — set it to $0 if you live in CT, MA, MN, NY, OH, PA, RI, or VT (states that ban excess charges), or if you only use participating providers.
The calculator adds annual premium + the Part B deductible ($257 in 2025, projected for 2027) on Plan G, and annual premium + copays + excess + Part B deductible on Plan N. Pick the projection window (1, 5, 10, or 20 years) — note that premium inflation averages 3–7% per year for both plans, so multi-year projections should be considered conservative.
When Plan N beats Plan G — and when it doesn't
Plan N wins when: you live in a state that bans Part B excess charges, you have fewer than 15 office visits per year, you rarely visit the ER, and the monthly premium gap exceeds $25. Plan G wins when: you have chronic conditions requiring 20+ specialist visits annually, you live in a state with high Part B excess rates (FL, TX), you prefer predictable costs, or your premium gap is under $20/month.
A break-even rule: if (Plan G − Plan N) × 12 > (20 × office visits) + (50 × ER visits) + excess, choose Plan N. Otherwise choose Plan G. Always factor in carrier rate-increase history — some carriers raise premiums aggressively in years 3–5, eroding initial savings.
Source: medicare.gov — Compare Medigap Plans, NAIC Medicare Supplement Insurance Standardization. Updated May 2026.