Medicare
Medigap Plan F
Medigap Plan F provides first-dollar coverage with zero out-of-pocket costs for covered services, but is only available to those who became Medicare-eligible before 2020.
Last reviewed: May 2026 · Editorial methodology
Definition
Medigap Plan F was historically the most popular Medicare Supplement policy because it covered every Original Medicare cost-sharing gap — including the Part B annual deductible — leaving beneficiaries with virtually no out-of-pocket costs for covered services other than the monthly premium. Congress eliminated Plan F (and Plan C, which also covered the Part B deductible) for new Medicare beneficiaries as of January 1, 2020, under the MACRA legislation, based on the theory that first-dollar coverage encourages overutilization. Beneficiaries who became eligible for Medicare before January 1, 2020 may still enroll in Plan F if they have not yet done so, and those already enrolled may keep it indefinitely. Plan F premiums tend to be higher than Plan G and have increased at a faster rate as the Plan F pool ages and becomes less healthy — a phenomenon called 'closed pool risk.' New Medicare enrollees looking for maximum coverage should consider Plan G, which offers equivalent protection minus only the $283 Part B deductible.
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Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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