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Confused about Plan G vs Plan N vs High-Deductible G? In this guide, I compare the real costs, common gotchas (like excess charges, copays, and underwriting), and explain when each plan makes the most sense. I also break down guaranteed-issue rights in plain English — so you know exactly when you can switch without medical questions. Watch the full breakdown below. Timestamps (0:00) The top 3 Medigap (Medicare Supplement) plans for 2025–2026 (0:08) Why some beneficiaries will lose coverage in AEP 2026 (October–December) (0:19) Guaranteed issue rights explained — when you can switch to a Medigap plan (0:29) Plan G overview — coverage, deductible, and average premiums (1:00) Understanding Parts A & B deductibles under Original Medicare (2:00) Choosing stable carriers and avoiding double-digit rate hikes (3:51) Plan N explained — copays, ER costs, and lower premiums (4:46) What changed after Plan F was discontinued in 2020 (6:42) No-network freedom and prior-authorization updates for 2026 (8:03) High-Deductible G — how it works and who it’s best for (10:00) Why you should consider hospital indemnity and cancer riders (11:08) Guaranteed issue rules — losing a Medicare Advantage plan (13:14) Enrollment deadlines: 60–63 days to act after coverage ends (15:30) Plans G, N, F, and state-specific GI variations (16:21) Birthday & anniversary rules explained (18:00) Why this is a major opportunity for 2025–2026 (19:22) How to review your plan before AEP 2026 and next steps What You’ll Learn How Plan G, Plan N, and High-Deductible G compare in cost and coverage The real difference between Medigap and Medicare Advantage How guaranteed-issue rights work when your plan terminates The new 2026 prior-authorization and network updates How to protect yourself from rate increases and coverage loss Avoid Costly Medicare Mistakes If your Medicare Advantage plan is leaving the market, you may have a limited-time guaranteed-issue window to move into a Medigap plan — no health questions asked. Don’t miss your chance to lock in stable, predictable coverage for 2026 and beyond. Need Personalized Help? Schedule a free Medicare consultation with our licensed experts today: https://www.medicarehub.org/ Free On-Demand Workshop: Get our Medicare Made Simple guide + full video walkthrough of every plan and enrollment rule. https://insurance.medicarehub.org/med... Subscribe for weekly Medicare education videos that simplify your healthcare decisions and give you confidence about your coverage.