What is High Deductible Plan G?

High Deductible Plan G is a Medicare Supplement plan that offers lower monthly premiums in exchange for a higher deductible. This plan helps cover the gaps in Medicare Part A and B after you meet the deductible.

How does the deductible work in High Deductible Plan G?

For High Deductible Plan G, in 2027, the deductible is set at $3,050. Beneficiaries must pay this amount out-of-pocket before the plan begins covering costs like Medicare Part A and B coinsurance and copayments.

What benefits does High Deductible Plan G offer once the deductible is met?

After meeting the deductible, High Deductible Plan G covers services such as Medicare Part A coinsurance, hospital costs, foreign travel emergencies, and skilled nursing facility care. This coverage aligns with what standard Plan G offers.

Who might benefit from choosing High Deductible Plan G?

This plan may be suited for individuals with fewer anticipated medical expenses who prefer lower premiums. Those comfortable with paying the deductible upfront and who engage in preventative health measures might find it beneficial.

How can I compare High Deductible Plan G with other Medicare options?

To compare High Deductible Plan G with other Medicare options, you can enter your ZIP code on MedicarePlansGuide.org for comprehensive comparisons tailored to your needs.

What Is the Deductible for High Deductible Plan G? $3,050 in 2027 and Where the Number Comes From

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated November 11, 2026

The deductible for high deductible Plan G is $3,050 for calendar year 2027, up $100 from $2,950 in 2026. It is one federal figure that applies to every insurer and every state, and after your Medicare-covered costs reach it, the policy pays 100% of Medicare cost-sharing for the rest of the year.

2027 by the Numbers

$3,050

high deductible Plan F, G and J deductible for 2027 (CMS)

$2,950

the same deductible in 2026 (CMS)

3.40%

CPI-U increase CMS applied for 2027

$1,500

starting amount written into the Social Security Act for 1998

Most people who ask this question want a single number, and the number is $3,050 for 2027. The more useful part is knowing that the figure is not chosen by your insurance company, that it moves every January, and that it is measured against what Medicare would normally leave you to pay rather than against your total medical bills.

This page explains the amount itself: the formula in federal law, the year-by-year record, and how $3,050 compares with other limits in Medicare. For a walk-through of claims being paid, see our guide to how high deductible Plan G works.

✔ Licensed in all 50 states
✔ Based on CMS 2027 data
✔ Free plan comparison

Key Highlights

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The 2027 high deductible is $3,050 for Plan G, Plan F and the older Plan J.

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Federal law fixes the formula: a 1998 base of $1,500, raised each year by consumer inflation and rounded to the nearest $10.

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The deductible has climbed $750 since 2019, a 32.6% rise by our math.

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It sits well below the 2027 out-of-pocket limits for Plan K ($8,360) and Plan L ($4,180).

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The 2027 Figure in Plain Terms

For January 1 through December 31, 2027, the high deductible option of Medigap Plan G carries a $3,050 deductible. The same amount applies to high deductible Plan F and to high deductible Plan J, a plan letter that has not been sold since 2010 but still exists for some long-time policyholders.

$3,050

2027 deductible

+$100

change from 2026

Jan. 1

date the new amount starts

Dec. 31

date the count resets

Because the amount is standardized, a quote from one company cannot show a lower or higher deductible than a quote from another. What changes from company to company is the monthly premium you pay for the same $3,050 promise.

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How Federal Law Builds the Deductible

The deductible comes from section 1882(p)(11)(C) of the Social Security Act. CMS does the arithmetic each year and publishes the result for insurers.

Start from the 1998 base Congress set the high deductible at $1,500 for 1998 and 1999.

Apply consumer inflation Each later year, the amount grows by the percentage rise in the Consumer Price Index for all urban consumers (CPI-U).

Round to $10 The result is rounded to the nearest multiple of $10.

Publish after August data CMS releases the next year’s figure after the August CPI-U numbers come out, usually in the fall before the plan year.

Why it matters: Since the formula tracks general inflation rather than Medicare spending, the deductible tends to rise by modest, fairly predictable steps rather than jumping in a single year.

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Our Year-by-Year Record Since 2019

We lined up the amounts CMS has announced and calculated the change in each year. Plan G’s high deductible version became available in 2020, so 2019 shows the Plan F figure that applied then.

Calendar year	Deductible	Dollar change	Percent change
2019	$2,300	—	—
2020	$2,340	+$40	+1.7%
2021	$2,370	+$30	+1.3%
2022	$2,490	+$120	+5.1%
2023	$2,700	+$210	+8.4%
2024	$2,800	+$100	+3.7%
2025	$2,870	+$70	+2.5%
2026	$2,950	+$80	+2.8%
2027	$3,050	+$100	+3.4%

Amounts from CMS high deductible announcements; dollar and percent changes are our calculations. Percentages differ slightly from the CPI-U figures because of rounding to $10.

The largest jump came for 2023, after the inflation spike of 2022. Across the whole period the deductible rose $750, or about 32.6%, which works out to an average of roughly $94 a year.

What Fills the $3,050 and What Never Does

The deductible is met by the out-of-pocket amounts that standard Plan G would otherwise have covered, plus the Part B deductible that standard Plan G leaves to you.

Counts toward it

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Part A hospital deductible

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Part B annual deductible

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Part B coinsurance on doctor and outpatient bills

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Daily hospital and skilled nursing coinsurance

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Hospice and blood cost-sharing under Medicare

Does not count

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Monthly Medigap premiums

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The Part B premium

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Part D drug costs

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Routine dental, vision and hearing care

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Services Medicare does not approve

Once the running total reaches $3,050, the plan pays the remaining Medicare cost-sharing for that calendar year, including any Part B excess charges, just as standard Plan G would.

$3,050 Next to Medicare's Other Limits

The high deductible is easier to judge when it sits beside the other caps and deductibles in Medicare and Medigap.

Medicare or Medigap figure	Amount	Applies to
Part B deductible (2027, projected)	$292	Doctor and outpatient care, once a year
Part A hospital deductible (2026)	$1,736	Each benefit period, can repeat in a year
Part D out-of-pocket cap (2027)	$2,400	Covered prescriptions only
High deductible Plan G (2027)	$3,050	All Medicare-covered cost-sharing, once a year
Plan L out-of-pocket limit (2027)	$4,180	Plan L cost-sharing, once a year
Plan K out-of-pocket limit (2027)	$8,360	Plan K cost-sharing, once a year

CMS figures. The 2027 Part A deductible had not been released when this page was updated.

Worth noticing: Two separate hospital stays in different benefit periods in 2026 would have produced $3,472 in Part A deductibles alone. With the high deductible version, the most you pay toward Medicare-covered care in a year is the deductible, no matter how many benefit periods you start.

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Turning the Deductible Into a Worst-Year Budget

The deductible is only half of the yearly exposure. Your premiums are paid whether or not you use care, so the real ceiling on Medicare-covered costs is the deductible plus twelve monthly premiums.

Multiply the quoted premium by 12 This is the fixed part of the cost.

Add $3,050 This is the most you pay for Medicare-approved care in 2027.

Add the Part B premium Medicare projects $209.50 a month for 2027, or $2,514 a year, before any income-related surcharge.

Compare against standard Plan G For standard Plan G, use 12 premiums plus the projected $292 Part B deductible.

If the gap between the two worst-year totals is small, the lower premium of the high deductible version may still win in an average year. Our page on high deductible Plan G cost covers premium ranges in more detail.

Points to Check Before Relying on the Deductible

Before you apply

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Confirm an insurer in your state actually sells the high deductible version, since not every company offers it.

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Keep $3,050 in savings or a reliable source of cash for a heavy-use year.

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Expect the deductible to change again for 2028, based on the CPI-U formula.

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Know that moving later to standard Plan G usually means health questions outside protected enrollment windows in most states.

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Remember that high deductible Plan F has the same deductible but is open only to people first eligible for Medicare before 2020.

For the broader picture of the plan, including premiums and fit, start at our high deductible Plan G overview or compare it with the standard Plan G deductible for 2027.

Bottom Line

The Bottom Line

The deductible for high deductible Plan G is $3,050 in 2027, set by a federal inflation formula and identical at every insurer. Treat it as your yearly ceiling on Medicare-covered costs, add twelve premiums to see your true worst case, and expect the number to change again for 2028 with inflation.

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Frequently Asked Questions

➤ Is the high deductible Plan G deductible different by state or insurer?

No. The $3,050 amount for 2027 is a single federal figure that every insurer must use. Only the premium differs from company to company and place to place.

➤ Who decides the high deductible amount each year?

CMS calculates it under a formula in the Social Security Act. It raises the prior amount by the CPI-U increase and rounds to the nearest $10.

➤ How much has the deductible gone up since 2020?

It was $2,340 in 2020 and is $3,050 in 2027, an increase of $710. The biggest single-year rise was for 2023, when it went up $210.

➤ Is the $3,050 deductible per hospital stay?

No. It is a calendar-year amount. Unlike the Part A deductible, which can repeat with each benefit period, the high deductible is counted once from January through December.

➤ Does the Part B deductible get added on top of $3,050?

No. The Part B deductible counts toward the $3,050, so it is part of that total rather than an extra charge.

➤ Is $3,050 the same as the Plan K or Plan L limit?

No. Plans K and L use separate out-of-pocket limits of $8,360 and $4,180 for 2027, and they pay only part of many costs until those limits are reached.

➤ What will the deductible be in 2028?

CMS has not announced it. It will be the 2027 amount raised by the CPI-U increase and rounded to $10, and it is usually published in the fall of 2027.

➤ Does high deductible Plan F have the same deductible?

Yes. High deductible Plan F also uses $3,050 for 2027, but only people who were eligible for Medicare before January 1, 2020 can buy it.

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

Russell Noga( Medicare Educator )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 18 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.

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What Is the Deductible for High Deductible Plan G? $3,050 in 2027 and Where the Number Comes From

Key Highlights

Compare plans and enroll online

The 2027 Figure in Plain Terms

How Federal Law Builds the Deductible

Find & Compare Plans Online

Speak with a licensed insurance agent

1-855-398-0716TTY 711

Mon-Fri: 8am-9pm ET

Our Year-by-Year Record Since 2019

What Fills the $3,050 and What Never Does

$3,050 Next to Medicare's Other Limits

Compare plans and enroll online

Turning the Deductible Into a Worst-Year Budget

Points to Check Before Relying on the Deductible

Bottom Line

Compare plans and enroll online

Frequently Asked Questions

➤ Is the high deductible Plan G deductible different by state or insurer?

➤ Who decides the high deductible amount each year?

➤ How much has the deductible gone up since 2020?

➤ Is the $3,050 deductible per hospital stay?

➤ Does the Part B deductible get added on top of $3,050?

➤ Is $3,050 the same as the Plan K or Plan L limit?

➤ What will the deductible be in 2028?

➤ Does high deductible Plan F have the same deductible?

Find & Compare Plans Online

Speak with a licensed insurance agent

1-855-398-0716TTY 711

Mon-Fri: 8am-9pm ET