Top 5 Medigap Plans in 2025 Explained
Choosing the right Medigap insurance in 2025 can feel like navigating a maze. With multiple Medicare Supplement Plans available, each offering different benefits and costs, understanding your options is crucial to making an informed decision.
At Auraisin, we’ve broken down the top 5 Medigap plans in 2025—so you can see how each one stacks up in terms of coverage, affordability, and peace of mind.
What Is Medigap Insurance?
Medigap insurance, also known as Medicare Supplement Insurance, is private coverage that helps fill the “gaps” in Original Medicare (Parts A and B).
It covers out-of-pocket expenses like deductibles, copayments, and coinsurance, ensuring you aren’t blindsided by unexpected medical bills.
In 2025, Medigap plans remain standardized nationwide (except in Massachusetts, Minnesota, and Wisconsin). Each plan is identified by a letter (A–N), offering consistent benefits regardless of the insurer—but costs can vary.
Top 5 Medigap Plans in 2025
1. Medigap Plan G – The Gold Standard for Comprehensive Coverage
Why it stands out:
Plan G continues to be the most popular Medicare Supplement Plan for new enrollees in 2025. It covers everything that Plan F used to (except the Part B deductible) and offers strong protection against out-of-pocket costs.
Coverage highlights:
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Part A deductible and coinsurance
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Part B excess charges
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Skilled nursing facility coinsurance
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Foreign travel emergency coverage (up to plan limits)
Ideal for: Beneficiaries who want broad coverage and travel flexibility without overpaying for premiums.
2. Medigap Plan N – Affordable Coverage with Shared Costs
Why it stands out:
Plan N is perfect for those looking to balance premium savings with solid coverage. You’ll pay small copays for doctor and ER visits, but premiums are significantly lower than Plan G.
Coverage highlights:
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Covers Part A deductible and coinsurance
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Covers most Part B costs (except small copays)
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Includes foreign travel emergency coverage
Ideal for: Healthy retirees who rarely visit the doctor and want lower monthly premiums.
3. Medigap Plan F – Legacy Plan with Maximum Protection
Why it stands out:
Although closed to new Medicare beneficiaries (those eligible after January 1, 2020), Plan F remains the most comprehensive Medicare Supplement Plan for those who already have it.
Coverage highlights:
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Covers both Part A and Part B deductibles
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Covers all coinsurance and copayments
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No out-of-pocket medical expenses
Ideal for: Beneficiaries grandfathered into the plan who value full coverage and predictability.
4. Medigap Plan G High-Deductible – Budget-Friendly Full Coverage
Why it stands out:
This high-deductible version of Plan G offers identical coverage to standard Plan G but with a lower premium. You’ll pay the first $2,800 (2025 deductible estimate) before full benefits kick in.
Coverage highlights:
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Comprehensive benefits after deductible
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Lower monthly premiums
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Great for long-term savings if you stay healthy
Ideal for: Cost-conscious seniors who want major coverage but don’t mind paying a higher upfront deductible.
5. Medigap Plan L – Moderate Coverage with Cost Sharing
Why it stands out:
Plan L covers 75% of certain Medicare costs, keeping premiums lower while still protecting you from large hospital bills.
Coverage highlights:
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75% of Part B coinsurance and hospital costs
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Out-of-pocket maximum limit ($3,960 for 2025)
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After reaching the limit, the plan pays 100% of approved costs
Ideal for: Those who want a balance between affordability and decent protection from unexpected medical costs.
How to Choose the Best Medigap Plan for 2025
When comparing Medigap insurance, consider:
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Your Health Needs: How often you visit doctors or specialists.
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Your Budget: Monthly premiums vs. out-of-pocket costs.
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Your Travel Habits: If you travel abroad, look for plans with foreign emergency coverage.
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Your State and Provider: Premiums vary by location and insurer.
Tip: Always compare rates from multiple insurance carriers. Even though benefits are standardized, prices can differ by hundreds of dollars annually.
Final Thoughts
The right Medicare Supplement Plan can protect you from high medical costs while giving you peace of mind in retirement. In 2025, Plan G and Plan N continue to dominate for their blend of coverage and value—but your ideal choice depends on your health and budget.
At Auraisin, we’re here to help you compare Medigap insurance options, understand your benefits, and find the plan that fits your life perfectly.
