Medigap Plan F: who can still buy it?
Closed to newer enrollees since 2020, still held by many.
Plan F covers every gap in Original Medicare, including the Part B deductible. A 2015 federal law (MACRA) stopped Medigap plans from covering the Part B deductible for people newly eligible from 2020, so Plan F, and Plan C, closed to them.
Who can buy Plan F
People who were eligible for Medicare before January 1, 2020, can still buy Plan F (and Plan C), even if they didn't enroll at the time. People who became eligible on or after January 1, 2020, can't; Plan G is the closest option.
If you already have Plan F
You can keep it as long as you pay the premium. Because no new enrollees are joining, some people worry that Plan F pools will age and premiums will rise faster. Whether that happens depends on the company and your state, so compare your rate increases with Plan G quotes over time.
Switching from F to G can make sense if the premium difference is more than the Part B deductible, but in most states you may have to pass medical underwriting to switch. Check whether your state has a birthday or anniversary rule first.
Common questions
Not if you first became eligible for Medicare on or after January 1, 2020. You can buy Plan G, which covers everything F does except the Part B deductible.
No. Existing Plan F policies are guaranteed renewable as long as you pay the premium.
Want help with your own choices?
Every state runs a State Health Insurance Assistance Program (SHIP) with trained counselors who give free, unbiased Medicare help and do not sell plans. Find yours on our Medicare by state pages, or call Medicare at 1-800-MEDICARE (1-800-633-4227) (TTY 1-877-486-2048, 24 hours a day, 7 days a week).
Planning the rest of your coverage in retirement? We can help with life insurance later in life and final expense coverage.
Sources
- Choosing a Medigap Policy (March 2026), Centers for Medicare & Medicaid Services. Checked September 29, 2026.
- Compare Medigap plan benefits, Medicare.gov. Checked September 29, 2026.
General information about the federal Medicare program, not advice about your situation. Figures are for 2026 unless stated and change every year; last reviewed September 29, 2026. Quote My Policy is a private company. Not connected with or endorsed by the United States government or the federal Medicare program.
Quote My Policy does not sell Medicare plans on this site. For plan-specific help, contact Medicare at 1-800-MEDICARE (1-800-633-4227) (TTY 1-877-486-2048, 24 hours a day, 7 days a week) or your State Health Insurance Assistance Program.