Speak with a licensed insurance agent

1-855-398-0716

TTY user 711 Mon-Fri : 8am-9pm EST

How Does High Deductible Plan G Work?

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 13, 2026

High Deductible Plan G works like regular Plan G after you pay a $3,050 deductible in 2027, up from $2,950 in 2026. Until then, you pay Medicare-covered costs yourself. In exchange, the monthly premium is usually much lower.

High Deductible Plan G is a Medigap plan that fills the gaps in Original Medicare. It has the same benefits as regular Plan G. The only difference is when the plan starts paying.

For the deductible itself, see what the deductible is for High Deductible Plan G.

Key Highlights

✔

You pay Medicare-covered costs until you reach the $3,050 deductible in 2027.

✔

After that, the plan pays like regular Plan G for the rest of the year.

✔

The Part B deductible counts toward the $3,050.

✔

Premiums are usually much lower than regular Plan G.

✔

The deductible resets every January 1.

Compare plans and enroll online

How High Deductible Plan G Works, Step by Step

Step by step

1

You get care from any provider that accepts Medicare. There is no network, and you do not need referrals.

2

Medicare pays its share first. Original Medicare pays as usual for covered services.

3

You pay the gaps until you reach $3,050. Costs Plan G would normally pay, like the Part A deductible and Part B coinsurance, count toward the deductible. So does the Part B deductible.

4

Once you reach $3,050, the plan pays. For the rest of the year, it covers Medicare-covered gaps just like regular Plan G.

5

The deductible resets each January 1. CMS adjusts the amount every year for inflation.

What is Plan G?

Good to know: Prescription drug costs do not count toward the deductible. Medigap plans do not cover prescriptions, so you need a separate Part D plan.

What It Covers After the Deductible

Once you meet the deductible, High Deductible Plan G pays the same benefits as regular Plan G:

✔

Part A coinsurance and hospital costs, up to an extra 365 days after Medicare benefits are used up.

✔

The Part A hospital deductible.

✔

Part B coinsurance and copayments for doctor visits and outpatient care.

✔

Part B excess charges.

✔

Skilled nursing facility coinsurance and hospice coinsurance.

✔

The first 3 pints of blood and foreign travel emergency care, up to plan limits.

Good to know: Like regular Plan G, it does not pay the Part B deductible itself. With High Deductible Plan G, though, what you pay toward the Part B deductible counts toward your $3,050.

Find & Compare Plans Online

Speak with a licensed insurance agent

1-855-398-0716TTY 711

Mon-Fri: 8am-9pm ET

High Deductible Plan G vs Regular Plan G

High Deductible Plan G Regular Plan G
Benefits Same as Plan G after the deductible Covers every gap except the Part B deductible
What you pay before coverage Up to $3,050 in 2027 Only the Part B deductible
Monthly premium Usually much lower Higher
Best for Healthy people who want protection against a big bill People who want predictable costs

Source: CMS 2027 Medigap high deductible announcement. Premiums vary by insurer and location.

Plan F also has a high-deductible version, but only people eligible for Medicare before January 1, 2020 can buy Plan F. For everyone else, High Deductible Plan G is the high-deductible choice. See the full cost breakdown in High Deductible Plan G cost for 2027.

Who High Deductible Plan G Works Best For

A good fit if you:

✔Are generally healthy and see doctors mostly for checkups
✔Want a lower premium with protection against a large bill
✔Could pay up to $3,050 in a bad year without strain

Look harder at regular Plan G if you:

✔Have ongoing conditions or frequent specialist visits
✔Expect a surgery or hospital stay
✔Want predictable costs with no large deductible

Benefits of Choosing This Deductible Plan

Smart tip: Some people set aside part of their premium savings each month to cover the deductible if they need care. That way a bad year does not catch them off guard.

Enter your ZIP code on our site to compare Medicare Supplement plans and prices in your area.

Compare plans and enroll online

Frequently Asked Questions

➤ How does High Deductible Plan G work?

You pay Medicare-covered costs that Plan G would normally pay until you reach the deductible, $3,050 in 2027. After that, the plan pays like regular Plan G for the rest of the year.

➤ What is the difference between Plan G and High Deductible Plan G?

The benefits are the same. High Deductible Plan G has a $3,050 deductible in 2027 before it pays, and its monthly premium is usually much lower.

➤ Does the Part B deductible count toward the High Deductible Plan G deductible?

Yes. What you pay toward the Part B deductible counts toward the $3,050 deductible. Prescription drug costs do not.

➤ Does High Deductible Plan G cover hospital stays?

Yes, after the deductible. It covers Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits are used up, plus the Part A deductible.

➤ Does the High Deductible Plan G deductible reset every year?

Yes. The deductible resets each January 1, and CMS adjusts the amount each year for inflation. It is $3,050 for 2027, up from $2,950 in 2026.

➤ Who should choose High Deductible Plan G?

It may fit people who are generally healthy, want a lower premium and could pay up to the $3,050 deductible in a bad year. People with ongoing health needs often prefer regular Plan G.

Have Questions?

Speak with a licensed insurance agent

1-855-398-0716

TTY users 711

Mon-Fri: 8am-9pm ET

Find & Compare Plans Online

Speak with a licensed insurance agent

1-855-398-0716TTY 711

Mon-Fri: 8am-9pm ET

ZRN Health & Financial Services, LLC, a Texas limited liability company

MedicarePlansGuide.org
1200 Lakeway Drive, Suite 17A
Austin, TX 78734

TERMS & CONDITIONS | PRIVACY POLICY | EDITORIAL POLICY | DISCLOSURE

This website and MedicarePlansGuide.org are privately owned and operated and are not affiliated with, endorsed by, or connected to the Federal Medicare program or any other government agency. We do not offer every plan available in your area. Currently we represent multiple organizations which offer Medicare Advantage, Medicare Supplement Insurance plans, and Medicare Prescription Drug plans. Not all plans offer all benefits mentioned. Benefits, premiums, deductibles, copayments, coinsurance, exclusions, and limitations may vary by plan, carrier, and location and may change over time.

By submitting your information through this website, you agree to the site’s privacy policy and expressly consent to be contacted by a licensed insurance agent or insurance company regarding Medicare insurance plans by phone, email, or text message at the number provided, including a wireless number, using automated technology, prerecorded messages, or artificial voice. Consent is not a condition of purchase. Message and data rates may apply.

Enrollment in a Medicare plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period. Plan availability depends on contract renewal. We do not offer every plan available in your area. Any information provided is limited to the plans we offer in your area.

For complete and official information about Medicare benefits and coverage options, visit Medicare.gov or call 1-800-MEDICARE (TTY users: 1-877-486-2048), 24 hours a day, 7 days a week.

MedicarePlansGuide.org is owned and operated by ZRN Health & Financial Services, LLC, a Texas limited liability company.