Top 5 Medicare Supplement Plans for 2027, Ranked by Real Enrollment

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 27, 2026

Most “best plan” lists are someone’s opinion. This one isn’t. Every insurer that sells Medigap reports its policy counts to the National Association of Insurance Commissioners (NAIC), and the trade group AHIP publishes the totals each year. Its April 2026 edition counts 14.29 million people with Medigap coverage at the end of 2024, and five plan letters hold nearly nine in ten of them.

Below: the ranking from those filings, why a plan most new enrollees can’t buy still sits at No. 2, a short profile of each plan with its 2027 cost sharing, and a dollar-for-dollar comparison of the three top-ranked plans still open to everyone.

Ranked by policies in force on December 31, 2024, the five largest standardized plan letters are below. Counts come from Table 4 of AHIP’s The State of Medicare Supplement Coverage (April 2026), which draws on NAIC filings; shares are AHIP’s rounded figures. High-deductible F and G are counted inside Plans F and G because the filings don’t separate them.

Massachusetts, Minnesota and Wisconsin use their own state designs, which AHIP groups as “waivered” plans (6% of enrollment); they aren’t a plan letter, so they’re left out of the ranking. For what every letter covers, start with our guide to Medicare Supplement plans.

As recently as 2019, Plan F held about 49% of Medigap enrollment and Plan G about 22%, according to AHIP’s earlier report on that year. The order flipped in 2023 and the gap widened in 2024.

Two forces drive it. First, MACRA, the 2015 law that took effect in 2020, ended sales of Plan F and Plan C to anyone newly eligible for Medicare, so every new 65-year-old who wants broad coverage lands in Plan G. Second, Plan F’s pool keeps shrinking as policyholders die or switch, while no new 65-year-olds join it.

In 2024 that worked out to roughly 1,657 net new Plan G policyholders a day and about 975 fewer Plan F policyholders a day, our math from AHIP’s yearly change figures.

Who it fits: anyone who wants nearly complete coverage of Medicare-approved care and can buy it, which in practice means most people turning 65 since 2020.

2027 cost sharing that matters: you pay only the Part B deductible ($283 in 2026; CMS hadn’t released the 2027 figure as of November 4, 2026). After that, the plan pays your share of covered hospital and medical bills, including Part B excess charges.

The high-deductible option sits inside Plan G’s 43%. It pays nothing until your covered costs reach $3,050 in 2027, then matches standard Plan G. Our Medicare Supplement Plan G guide lists each benefit, and High-Deductible Plan G covers the lower-premium version.

Plan F ranks second only because of the people who already own it. It’s the one plan that pays the Part B deductible on top of everything Plan G pays, and it led the market for years before 2020.

Who it fits: only people who were eligible for Medicare before January 1, 2020. If that’s you, you can keep it or still buy it where insurers sell it. If you first became eligible in 2020 or later, no insurer may sell it to you. The deductible rules behind that cutoff are on our page about whether Medicare Supplement covers the Part B deductible.

Plan N is the only top-ranked plan besides G that a new enrollee can buy, and it’s still growing, up 5% in 2024.

Who it fits: people who see doctors a moderate number of times a year, mostly use providers that accept Medicare assignment, and would rather take small copays than pay Plan G’s higher premium.

2027 cost sharing that matters: the Part B deductible, a copay of up to $20 for some office visits and up to $50 for an emergency room visit that doesn’t end in an inpatient admission, plus any Part B excess charge of up to 15% from a provider who doesn’t take assignment. Details are in our Medicare Supplement Plan N guide, and moving up later is covered in switching from Plan N to Plan G.

Neither one is a shopping option for most people today. They rank in the top five because owners tend to keep a policy once they have it, and both lists shrink every year.

Only three versions of the top-ranked plans are open to a 2027 newcomer, so here’s how they compare in one ordinary year. Assumptions: eight doctor visits at $150 Medicare-approved each, plus one ER visit, approved at $800, that doesn’t lead to admission, for $2,000 of Part B charges. The 2026 Part B deductible of $283 stands in for 2027. Premiums are illustrative round numbers, not quotes: $165 a month for G, $125 for N and $50 for High-Deductible G.

The ranking changes in a bad year. With these premiums, High-Deductible G stays cheaper than Plan G until your Medicare cost sharing passes about $1,663, and it can never cost more than $3,650 for covered care plus premium. Plan N stays ahead of G unless its copays and excess charges top the $480 premium gap. Run the same math with real quotes using our Medicare Supplement plans cost guide.

Enrollment share says what millions of people chose, not what fits your budget or health. A few checks narrow the top five to one:

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