Medicare
Is Medicare Supplement insurance worth the cost?
For most people who use healthcare regularly, yes. Original Medicare has no out-of-pocket maximum. Without Medigap, a serious illness can cost tens of thousands. Plan G costs ~$90–$180/month. The Part A deductible alone is $1,676 per benefit period in 2026 — one hospital stay can exceed your annual Medigap premium.
Key Points
- Original Medicare has no out-of-pocket maximum — exposure is unlimited
- Part A deductible: $1,676 per benefit period in 2026
- Plan G: ~$90–$180/month — one hospital stay can exceed the annual premium
- For regular healthcare users: Medigap typically pays for itself
- For very healthy people: the math is closer but peace of mind has value
- Compare the cost of Medigap to your expected out-of-pocket without it