Medigap Plans in 2025 Are Shifting—Here’s What You Can Still Get (and What’s Gone)

Key Takeaways

• In 2025, Medigap plans continue to offer standardized benefits, but eligibility and access have shifted due to prior federal changes.

• You can still enroll in popular Medigap plans, but some options are no longer available if you’re newly eligible for Medicare.

What Medigap Is (And Why It Still Matters in 2025)

Medigap, also called Medicare Supplement Insurance, helps you cover certain out-of-pocket costs left over by Original Medicare. These include deductibles, coinsurance, and copayments. While Medicare Part A and Part B offer broad coverage, they don’t pay for everything—this is where Medigap can play an important role in your overall healthcare budget.

Each Medigap plan is standardized, meaning Plan G in one state offers the same benefits as Plan G in another. However, premiums and availability can differ depending on where you live and when you became eligible for Medicare.

In 2025, Medigap remains a popular choice for those looking to control their health care costs, but the landscape has changed—especially for those newly enrolling in Medicare.

A Look at What’s Still Available in 2025

You still have access to several Medigap plans, including the most widely used ones. These plans are labeled by letters (A, B, D, G, K, L, M, and N) and provide different levels of coverage. Here’s what you can still get in 2025:

• Plan G: Covers nearly all out-of-pocket costs except the Part B deductible. It remains a top choice for those who want predictable expenses.

• Plan N: Offers lower premiums in exchange for small copayments for certain office and emergency visits.

• Plans K and L: Provide partial coverage for some costs and include out-of-pocket limits, which is useful if you want some protection without paying for full coverage.

• Plans A, B, D, and M: These plans offer varying degrees of cost-sharing and may appeal to people who want to balance monthly premiums with lower out-of-pocket risks.

These plans are still available to anyone eligible for Medicare, but keep in mind that medical underwriting may apply if you’re not enrolling during a guaranteed issue period.

What’s Gone (Or Limited) in 2025

If you’re new to Medicare in 2025, there are certain Medigap plans you can no longer buy:

• Plan C and Plan F: These plans are not available to people who became eligible for Medicare on or after January 1, 2020. That means if you turned 65 or otherwise qualified after that date, these plans are off the table.

• High-Deductible Plan F: Also discontinued for new Medicare beneficiaries after 2020.

If you were eligible for Medicare before 2020, you may still have access to these plans—either to keep your current plan or to switch between carriers. However, for those aging into Medicare in 2025, these options are no longer open.

The Medigap Enrollment Timeline

Understanding when you can sign up for a Medigap plan is just as important as knowing which plans are available. The ideal time is during your Medigap Open Enrollment Period, which is a one-time 6-month window that starts the month you’re both 65 and enrolled in Medicare Part B.

During this time:

• You can buy any Medigap policy sold in your state

• You cannot be denied coverage based on pre-existing conditions

• You won’t be charged higher premiums due to health issues

After this window ends, your ability to get a Medigap plan can depend on your health, unless you qualify for a guaranteed issue right due to special circumstances like losing other health coverage.

Guaranteed Issue Rights: Still Limited in 2025

While some states offer more flexibility, guaranteed issue rights under federal rules are still fairly limited in 2025. These rights let you enroll in Medigap without medical underwriting, but they typically apply only in situations like:

• Your Medicare Advantage plan is leaving your area or ending coverage

• You’re losing employer-sponsored coverage that worked with Medicare

• You move out of your Medicare Advantage plan’s service area

In most cases, these rights must be exercised within 63 days of your previous coverage ending. If you miss this window, insurers may deny coverage or charge more due to medical conditions.

Cost Considerations in 2025

Medigap plans have monthly premiums that are paid in addition to your Medicare Part B premium. While specific prices vary by state, age, and insurer, you can generally expect:

• Higher premiums for more comprehensive plans like Plan G

• Lower premiums for plans with cost-sharing like Plan N or K

• Community-rated, issue-age-rated, or attained-age-rated pricing structures, which can affect how your premium increases over time

Keep in mind that Medigap plans do not cover prescription drugs. You’ll need to enroll in a standalone Medicare Part D plan if you want drug coverage.

Coverage Gaps Medigap Still Doesn’t Fill

Medigap plans help with many expenses, but they don’t cover everything. Even in 2025, Medigap does not cover:

• Long-term care

• Vision and dental care

• Hearing aids

• Eyeglasses

• Private-duty nursing

• Prescription drugs (Part D)

You’ll need separate coverage or out-of-pocket funds to manage these types of healthcare expenses.

Comparing Medigap to Other Options in 2025

Medigap is one option among several in the Medicare landscape. You may also be considering:

• Medicare Advantage (Part C): Offers bundled coverage, often with lower premiums and additional benefits, but includes network restrictions and cost-sharing.

• Employer or Retiree Coverage: May work alongside Medicare to fill in coverage gaps.

• Veterans Affairs (VA) or TRICARE for Life: Special programs for veterans that integrate with Medicare.

Medigap gives you flexibility in choosing any provider that accepts Medicare nationwide. This is a key advantage compared to network-based plans.

Changes in State Regulations and Innovation

Some states have introduced innovative programs or more flexible rules around Medigap plans. In 2025:

• A few states allow year-round Medigap enrollment without medical underwriting

• Some states offer high-risk pools or guaranteed issue plans regardless of age or health

• Innovation waivers in certain regions explore hybrid programs to enhance Medigap access or benefits

Check with your State Health Insurance Assistance Program (SHIP) or a licensed agent to understand what applies to your area.

2025 Strategies for Choosing the Right Plan

Selecting the right Medigap plan in 2025 depends on your needs, budget, and when you first enrolled in Medicare. Here are a few strategies:

• Enroll during your Medigap Open Enrollment Period to avoid medical underwriting

• Compare multiple plans based on benefits, not just premiums

• Evaluate your likely healthcare usage for the year and decide if paying more monthly is worth fewer out-of-pocket expenses

• Check the pricing method used in your state or by specific insurers to understand future cost trends

It’s important to review your options annually, especially if your health status or coverage needs have changed.

What You Can Still Count on in 2025

Despite changes in availability and rules, Medigap continues to deliver predictable, standardized benefits that can simplify your healthcare experience. In 2025, you can still:

• Choose from a range of standardized plans

• Get guaranteed coverage during specific windows

• Pair Medigap with Part D and avoid provider networks

• Find consistent benefits across all Medigap plans of the same letter

This stability is one of the reasons Medigap plans remain a trusted choice for many Medicare enrollees.

Staying Ahead of the Changes

The Medigap market evolves as healthcare needs shift and federal policies adjust. In 2025, knowing what’s available to you—and what’s no longer offered—is essential to making smart coverage decisions.

Whether you’re just becoming eligible for Medicare or reevaluating your coverage, it’s a good idea to compare plans annually. This helps ensure that you continue to get the protection you need at a cost that makes sense.

Explore Medigap in 2025 With Confidence

Medigap plans still offer strong supplemental coverage in 2025, but not all options are available to everyone. If you’re aging into Medicare this year or considering a change, knowing what’s still on the table can help you avoid confusion—and unnecessary expenses.

Speak with a licensed agent listed on this website to get personalized advice based on your situation, eligibility, and location.