Plan F Closed To New Enrollees
Plan F — the most famous Medigap letter — closed to people newly eligible for Medicare after January 1, 2020. If you became eligible before 2019, you can still buy it; if not, Plan G is its functional replacement.
| Feature | Plan F Status |
|---|---|
| New enrollment | Closed since 1/1/2020 (MACRA rule) |
| Eligible pre-2019 | Can still buy or switch into F |
| Coverage vs Plan G | Identical except Part B deductible (F covers it) |
| Typical premium vs G | Higher — F pools are older |
| HD Plan F | Also closed to new eligibles |
Why F costs more than G for less net coverage
The only difference is the Part B deductible — $257 in 2025 — yet F premiums often run $30–60/month above G because the F risk pool ages and shrinks every year. Pre-2019 eligibles who still hold F should run the switch math: F-to-G switches skip the deductible question and usually save thousands over a decade.
If someone offers you “Plan F” today
Any agent pitching F to a newly eligible beneficiary is misinformed or worse — F is not purchasable for you. The closest legal equivalents are Plan G and Plan N.
FAQ
Can I get Plan F if I was eligible before 2020?
If you were eligible for Medicare before January 1, 2020 (not merely enrolled), yes — F remains open to that cohort only.
Is Plan F being phased out entirely?
No. Existing F policyholders can keep or re-purchase it indefinitely; the door is closed only to new Medicare eligibles.
Related reading: All plans · Plan G file · F availability FAQ