The Middle Ground Plan: Medicare Supplement Plan L in 2026
Splitting the Difference
If Plan K feels like too much exposure and Plan G feels like too much premium, Plan L sits exactly in between, by design.
Not sure where you fall between ‘low premium’ and ‘low exposure’? Find your spot on the spectrum
What Plan L Covers
Plan L covers 75% of most cost-sharing, compared to Plan K’s 50%, with a lower annual out-of-pocket cap ($3,610 in 2026). The premium sits between Plan K and Plan G accordingly.
Best fit: retirees who want more cost-sharing protection than Plan K offers, without paying full Plan G premiums.
Want to see exactly where Plan L lands for your specific costs? Run your numbers against Plan L
The Bottom Line
Plan L exists because not every retiree fits neatly into ‘full coverage’ or ‘lowest premium.’ It’s the plan for everyone in between.
Ready to Talk It Through?
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