Medicare Supplement guide · Texas & Florida
Medigap Plan G vs. Plan F (2026): Why Plan G Usually Wins Now
Plan F was the most complete Medigap plan ever sold — it covered everything, including the Part B deductible. But Plan F closed to anyone who became Medicare-eligible on or after January 1, 2020. If you qualified before then you can keep or buy Plan F; everyone else's most complete option is Plan G, which is identical to Plan F except you pay the Part B deductible ($283 in 2026) yourself. Because Plan F's enrollee pool is now closed and aging, its premiums tend to rise faster — so even people who can keep Plan F often save money switching to Plan G.
Written & reviewed by the licensed agents at Giron Agency — Matt Giron, licensed in Texas — for the 2026 plan year.
Medigap Plan G vs. Medigap Plan F at a glance
| Medigap Plan G | Medigap Plan F | |
|---|---|---|
| Still available to new enrollees? | Yes | No — closed to those eligible on/after Jan 1, 2020 |
| Part B deductible ($283 in 2026) | You pay it | Plan pays it |
| Everything else (Part A, coinsurance, excess charges) | Covered | Covered |
| Premium trend | More stable (open, younger pool) | Tends to rise faster (closed, aging pool) |
| Long-term value | Usually better | Often more expensive over time |
Choose Medigap Plan G if…
- ✓You became eligible for Medicare in 2020 or later (Plan F isn't available to you)
- ✓You want the most complete plan still open to new enrollees
- ✓You'd rather pay a tiny annual deductible than a higher premium forever
Choose Medigap Plan F if…
- ✓You were Medicare-eligible before 2020 and already have Plan F
- ✓You strongly prefer covering the Part B deductible — but compare the premium first
The only difference is one small deductible
Plan F and Plan G are literally identical in coverage with a single exception: Plan F pays the annual Part B deductible and Plan G doesn't. In 2026 that deductible is $283. So the question is purely financial — does Plan F cost you less than $283/year MORE than Plan G? Usually it costs much more than that extra, because Plan F's enrollment closed in 2020, leaving a shrinking, older pool whose claims push premiums up over time.
That's why many people who are eligible to keep Plan F still come out ahead switching to Plan G — they pay the $283 themselves and pocket the premium difference. If you already have Plan F, it's worth a free rate comparison rather than auto-renewing.
Texas & Florida note: We routinely re-shop Plan F holders in Texas and Florida into Plan G and find meaningful savings, especially in Florida where Medigap premiums are higher to begin with. Switching does involve underwriting, so we check whether you'd qualify before recommending it.
Not sure which fits you?
Free and no pressure. Matt compares every Texas and Florida option for you and only recommends what fits your situation.
Frequently Asked Questions
Can I still buy Plan F in 2026?
Only if you became eligible for Medicare before January 1, 2020. Everyone else's most complete option is Plan G.
Should I switch from Plan F to Plan G?
Often yes — Plan F premiums tend to climb faster, so paying the small Part B deductible yourself under Plan G can save money. Switching requires passing health underwriting, which we'll check first.
Is Plan G as good as Plan F?
Nearly — they're identical except Plan G doesn't pay the Part B deductible ($283 in 2026). For most people the lower, more stable premium makes Plan G the better value.