Is Plan F Still Available?

Still available, with one key date. Check your eligibility at 1-800-MEDIGAP.

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Quick answer

Yes, Plan F is still available in 2026, but only to people who became eligible for Medicare before January 1, 2020. Those who qualified earlier can still enroll in or keep Plan F. Anyone newly eligible on or after that date cannot buy Plan F and typically chooses Plan G, per Medicare.gov.

Plan F hasn't disappeared, but eligibility rules changed in 2020. Here's exactly who can still get it.

Who can still buy Plan F?

Plan F is still sold, but only to people who were eligible for Medicare before January 1, 2020, meaning you turned 65 or otherwise qualified before that date. If that's you, you can still apply for Plan F or keep an existing policy. If you became eligible on or after January 1, 2020, federal law (MACRA) blocks you from buying Plan F because it covers the Part B deductible, which newer plans can't. Most newly eligible beneficiaries choose Plan G instead, which offers nearly identical coverage. Not sure which date applies to you? Call 1-800-MEDIGAP (1-800-633-4427) and we'll confirm your eligibility in minutes.

Should you keep Plan F if you have it?

If you already have Plan F, you can keep it for as long as you pay premiums, it's guaranteed renewable. But there's a consideration: because Plan F is closed to new enrollees, its risk pool is aging and shrinking, which can push premiums up faster over time. Some Plan F holders switch to Plan G or high-deductible Plan F to save money, though switching may require underwriting outside guaranteed-issue periods. Whether to stay or switch depends on your premium trend, health, and budget. A licensed agent at 1-800-MEDIGAP can compare your current rate against alternatives for free.

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Frequently asked questions

Why was Plan F discontinued for new enrollees?+

Federal law (MACRA) barred Medigap plans from covering the Part B deductible for people newly eligible for Medicare on or after January 1, 2020. Because Plan F covers that deductible, it's closed to anyone who qualified after that date. Those eligible earlier can still get it.

Can I get Plan F if I turn 65 in 2026?+

No. If you turn 65 in 2026, you became eligible for Medicare after January 1, 2020, so you cannot buy Plan F. Plan G offers nearly identical coverage and is the top choice for new enrollees. Call 1-800-MEDIGAP to compare your options.

Is Plan G a good replacement for Plan F?+

Yes. Plan G covers everything Plan F does except the annual Part B deductible, so it's the closest available alternative for new enrollees. Many people find Plan G's lower premium more than offsets paying the deductible. Call 1-800-MEDIGAP to compare Plan G rates.

Will Plan F premiums keep rising?+

Because Plan F is closed to new enrollees, its risk pool is aging, which can push premiums up faster than open plans over time. Some holders switch to Plan G to save. Call 1-800-MEDIGAP to compare your Plan F premium against alternatives for free.

Can I switch back to Plan F later?+

Only if you were eligible for Medicare before January 1, 2020. If you qualify, you can apply for Plan F, but outside guaranteed-issue periods you may face medical underwriting. Call 1-800-MEDIGAP to check your eligibility and timing.

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