The number of beneficiaries with Medigap policies has been growing, both in absolute terms, and as a share of beneficiaries in fee-for-service (FFS) Medicare. At the same time, a greater share of those with Medigap have chosen Medigap policies that include some significant amount of beneficiary liability for cost sharing. This blog post examines these trends using annual Medigap policy sales data from the National Association of Insurance Commissioners (NAIC) covering the years 2010 to 2015.