2026 Medigap Premiums in California: What’s Changing and How to Save

If you’re on a Medigap plan in California, 2026 isn’t the year to coast. Premiums are climbing again — and for many seniors, that means paying hundreds more per year if you don’t shop your options. The gap between the cheapest and most expensive carrier for the same plan letter can easily hit $50 a month, and that adds up fast.

The truth is, 2026 Medigap premiums in California are all over the map. Plan F, Plan G, and Plan N are still the most popular choices, but costs vary widely depending on your age, ZIP code, and carrier. Skyline Benefit is an independent Medicare insurance broker based in California, and we help seniors cut through the noise, compare carriers, and lock in coverage that protects both your health and your wallet.

Why Are Medigap Premiums Increasing in 2026?

Medigap pricing in California shifts every year. Here’s what’s driving the 2026 increases:

• Age & rating method — Attained-age plans rise as you get older, while community-rated plans stay level.
• ZIP code differences — Los Angeles premiums don’t match Orange County.
• Healthcare trends — Rising hospital costs and higher utilization push premiums higher.
• Household discounts — Some carriers knock off 5–10% if spouses enroll together.

2026 Medigap Plan F Premiums in California

Plan F still offers the most complete coverage — but only for those eligible before January 1, 2020. In 2026, premiums in California are projected to range from $190 to $280/month, depending on your location and carrier.

Coverage highlights:

• Pays 100% of Medicare Part A & B coinsurance
• Covers both deductibles (Part A & B)
• Includes skilled nursing, Part B excess charges, and foreign travel emergencies
• High-deductible Plan F available with ~$2,900 deductible

2026 Medigap Plan G Premiums in California

For new enrollees, Plan G is the most popular choice. In 2026, premiums are expected to range from $180 to $260/month statewide.

Here’s why it’s attractive:

• Covers everything Plan F does except the Part B deductible
• 2026 Medicare Part B deductible = $288
• After you meet the deductible, you’re covered for 20% Part B coinsurance and most gaps Original Medicare leaves behind

Plan G offers strong protection at slightly lower monthly premiums than Plan F.

2026 Medigap Plan N Premiums in California

Plan N offers lower premiums, but with cost-sharing. In 2026, expect rates between $110 and $180/month.

What to know about Plan N:

• Covers 100% of Part A coinsurance and deductibles
• Covers Part B coinsurance (except up to $20 copays for doctor visits, $50 for ER visits)
• Skilled nursing and foreign travel emergency benefits are included

For healthier seniors willing to handle small copays, Plan N can be the most budget-friendly choice.

How to Compare 2026 Medigap Plan Costs in California

When choosing between F, G, or N, ask yourself:

• Do I qualify for Plan F (eligible before 2020)?
• Am I okay with paying the Part B deductible to lower monthly costs (Plan G)?
• Do I want the lowest premium with small copays (Plan N)?

The key: Compare carriers. Two insurers offering the exact same Plan G can differ by over $50 a month. Without comparing, you could pay $600 more per year for identical coverage.

When Is the Best Time to Switch or Enroll in Medigap?

• Medigap Open Enrollment Period: Six months after enrolling in Part B at age 65 — no medical underwriting, guaranteed acceptance.
• California Birthday Rule: Each year around your birthday, you can switch to a plan of equal or lesser benefits without underwriting. This is one of California’s biggest advantages, letting you shop rates without health questions.

Need Help With 2026 Medigap Premiums in California?

Skyline Benefit is an independent Medicare insurance broker based in California. We compare Plan F, Plan G, and Plan N premiums across carriers to make sure you don’t overpay in 2026. Our guidance is free, and we’ll walk you through enrollment, switching under the Birthday Rule, and annual reviews.

Schedule a consultation today. Call us at: (714) 888-5112