Illinois Medicare Supplement Plans for 2026

In 2026, there will be 12 Medicare Supplement (Medigap) plans available for all Illinois applicants. These plans are named by letter – Plans A, B, C, D, F, high-deductible F, G, high-deductible G, K, L, M, and N.

We represent over two dozen companies that offer these supplemental plans in Illinois for 2026. There are nationally-recognized companies you’ve probably heard of, like Mutual of Omaha or Aetna, as well as some lesser-known names, such as Woodmen Life or ACE.

We have a lot of choices to sift through and Medicare plans are notoriously complicated. So, we’re breaking it down to bring you what you really need to know about Illinois Medicare Supplement plans in 2026.

Medicare Supplement Plans Available in 2026

Medicare Supplement plans are named by letter, such as Plan A or Plan G. The benefits of these plansare standardized by the government, meaning the benefits of a Plan A are the same, regardless of which company you buy it from. This makes comparison shopping a lot easier!

The Medigap (also known as Medicare Supplement) plans available to you are determined by when you were first eligible for Medicare.

In 2026, everyone in Illinois will have access to the following Medicare Supplement plans:

• Plan A
• Plan B
• Plan D
• Plan G
• High-Deductible Plan G
• Plan K
• Plan L
• Plan M
• Plan N

If you were eligible for Medicare on or before January 1, 2020, you also have access to:

• Plan C
• Plan F
• High-Deductible Plan F

There were other plans available in the past that aren’t available now, such as Plans E, H, I, and J. In general, if you already have one of these plans, you can keep it.

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Most Popular Medicare Supplement Plans

With all that said, the two most popular Medicare Supplement plans are Plan G and Plan N.

With Plan F no longer available to new Medicare enrollees—and premiums continuing to rise for those who still have it—Plan G has become the go-to choice for most people enrolling in Medicare today. 

Plan N has also grown in popularity as a lower-premium alternative for those willing to share some out-of-pocket costs.

Our top suggestion for those enrolling in Medicare now is Plan G.

Plan G is the most popular option because:

• It offers the most comprehensive coverage available to new enrollees
• Premiums are often more cost-effective compared to the benefits provided
• It’s widely available from nearly all Medicare Supplement insurance companies
• It provides predictable out-of-pocket costs year after year

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Medicare Supplement Plan Benefits Chart

Note: Plan C & Plan F aren’t available if you turned 65 on or after January 1, 2020, and to some people under age 65. You might be able to get these plans if you were eligible for Medicare before January 1, 2020, but not yet enrolled.

*Plans F & G offer a high deductible plan in some states.

**Plans K & L show how much they'll pay for approved services before you meet your out-of-pocket yearly limit and Part B deductible. After you meet them, the plan will pay 100% of your costs for approved services.

***Plan N pays 100% of the costs of Part B services, except for copayments for some office visits and some emergency room visits.

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What Is the Best Medicare Supplement Plan for 2026?

So, what is the best Medicare Supplement plan in Illinois for 2026? The answer is it depends.

Plan F

In the past, the most popular Medicare Supplement plan we sold in Illinois was Plan F. It had the most comprehensive coverage, meaning your out-of-pocket costs would be $0 for any Medicare-approved expense.

Tip: Supplement plans only supplement what Medicare already covers, meaning non-approved expenses, like hearing aids, would still be your responsibility.

Plan F was the most popular plan for our Illinois clients, and it accounted for 53% of all Medigap plans sold in 2018 (AHIP State of Medigap, 2020).

A significant change was on the horizon, though. As of January 1, 2020, Plan F is only available to those who were first eligible for Medicare on or before January 1, 2020.

Read More: Why Exactly Is Plan F Being Phased Out?

Now, the best Medicare Supplement plan will depend on your eligibility. If you were first eligible for Medicare before January 1, 2020, Plan F may still be an option for you—and for some people, it can still be a solid choice.

However, Plan F premiums have been rising steadily, and here’s why: Plan F is closed to new enrollees. That means fewer healthy people are entering the plan each year, while existing members continue to age and use more healthcare services. Over time, this shrinking risk pool often leads to higher premiums.

Because of this, Plan F has started to fall behind comparable options like Plan G.

Plan G doesn't cover the Part B deductible (set at $283 in 2026) but it covers just about everything else Plan F.

In return, Plan G typically comes with lower monthly premiums, which can lead to meaningful savings over time—even after paying the Part B deductible out of pocket.

So for 2026, Plan G would be our top recommendation followed by Plan N.

Plan G

In 2026, Plan G is emerging as the most popular Medicare Supplement choice in our office.

Plan G has the same coverage as Plan F except for one small thing: Medicare Part B’s deductible of $283 (as of 2026).

Plan N

Plan N is also gaining popularity because of its robust coverage and affordable price. Plan N has similar coverage to Plan G with two differences:

• You will pay a copay at the doctor’s office (up to $20) and the ER (up to $50)
• Part B excess charges are not covered

Excess charges can be confusing, but they only apply if you see a doctor that doesn’t accept Medicare. Most doctors do accept Medicare, making it a non-issue for nearly all of our clients in Illinois.

If you are interested in Plan N, the best thing to do is confirm with your doctors and specialists that they accept Medicare.

Once you decide which Medicare Supplement plan you want, the next question is: which company do you buy it from?

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Which Medigap Company Is the Best in Illinois for 2026?

The most competitive Medigap companies tend to change each year. When an insurance company has to increase their rates over and over, their prices become so high they’re no longer competitive.

When that happens, the insurance company “shelves” the plan, and they start a new company.

You can read more about how this works here: A peek behind the curtain of Medicare Supplement insurance rates

Because of this revolving door of new companies, the most competitive insurance companies are continually evolving.

For 2026, some of the most competitive Medicare Supplement companies in central Illinois are:

• Medico
• WoodmenLife
• Cigna
• Aflac
• Humana
• Mac

None of these companies are definitively the “best” for everyone – the best option for you will depend on a few factors:

• Your age
• Your gender
• Your zip code
• Whether or not you use tobacco
• Whether or not you qualify for the carrier’s household discount
• Which plan you want (Plan G or Plan N, for example)
• Your coverage effective date

It pays to have a professional do a rate comparison for you rather than selecting a company blindly. In fact, one of the most common services we provide at Sams/Hockaday is saving clients money on their Medicare Supplement!

We work with all the leading Medicare Supplement companies in central Illinois, ensuring you get the best coverage at the most competitive rates.

Check out some of our past case studies:

• Patty Gogerty Saves Couple $1,600 on Medigap Plans
• Taylor Thomas Saves Client Over $1,200 On Her Medicare Supplement
• Michael Sams Helps Couple Save $960 On Medigap Plan G

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Conclusion

It can be frustrating to hear there’s no simple answer to the question: what is the best Medicare Supplement plan?

However, our licensed insurance agents here in central Illinois make it easy. They can answer this question for you based on your personal information and preferences.

Whether you’re looking for a Medigap plan for the first time or you want to do a price comparison, our agents can help you find the right Illinois Medicare Supplement plan for 2026.