➤ What is the HDG deductible for 2027?
The High-Deductible Plan G deductible for 2027 is $3,050, up from $2,950 in 2026. You pay covered Medicare costs up to that amount first, and then the plan covers the rest the same way standard Plan G does.
➤ When is the best time to buy a Medigap plan?
Aim for your six-month Medigap Open Enrollment Period, which starts the first month you are 65 or older and enrolled in Part B. During it, insurers cannot decline your High-Deductible Plan G application or raise your price because of health conditions.
➤ Do Medigap plans cover prescription drugs?
No, High-Deductible Plan G does not cover prescriptions. Pair it with a standalone Part D plan, where the 2027 deductible can reach $700 and out-of-pocket drug costs are capped at $2,400 for the year. Skipping Part D when first eligible can also lead to a late enrollment penalty later on.
➤ How much can High-Deductible Plan G save compared with Plan G?
HDG premiums are typically lower than standard Plan G, but the savings vary by insurer, age and ZIP code. Get quotes for both and compare the yearly premium difference with the $3,050 deductible you might pay in a bad year.
➤ What is the worst-case yearly cost of High-Deductible Plan G?
Your worst case is roughly the annual premium plus the $3,050 deductible for 2027. Once you reach the deductible, the plan pays like standard Plan G, so your remaining covered Medicare costs are generally paid.
➤ Who is High-Deductible Plan G a good fit for?
It often suits people in good health who rarely use medical care and want lower monthly premiums. Those who expect frequent care, or prefer predictable bills, may find standard Plan G more comfortable. Setting aside savings to cover the deductible can make this approach far less stressful.
➤ Does the Part B deductible count toward the HDG deductible?
Yes, the Part B deductible counts toward the High-Deductible Plan G deductible. Out-of-pocket costs for services the plan would cover add up toward the $3,050 annual threshold in 2027. Premiums you pay for the policy itself do not count toward that deductible.
➤ Can I switch from High-Deductible Plan G to regular Plan G later?
You can apply, but outside open enrollment or a guaranteed issue right, insurers in most states may ask health questions and can decline you. Check your state’s rules before planning a future switch. Because approval is not guaranteed later, choose the deductible level you can live with long term.
➤ Is there a High-Deductible Plan F too?
Yes, but High-Deductible Plan F is only for people first eligible for Medicare before January 1, 2020. It shares the same $3,050 deductible for 2027, while everyone else who wants a high-deductible option looks at HDG.
