High Deductible Plan G Deductible 2027

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 27, 2026

The 2027 High-Deductible Plan G deductible is $3,050, up from $2,950 in 2026, according to CMS. You pay Medicare-covered costs up to that amount each year, then the plan pays like regular Plan G for the rest of the year.

High-Deductible Plan G (HDG) has the same benefits as regular Plan G, the most complete Medigap plan open to people new to Medicare. The difference is when coverage starts. In exchange for carrying the deductible, HDG premiums are usually far lower than Plan G premiums, which can make it the lowest-cost way to get full Medigap protection in a healthy year.

This guide explains how the 2027 deductible works, what counts toward it, how to compare HDG with regular Plan G, and who it fits. See High-Deductible Plan G and Medicare Supplement plans 2027.

2027 update (October 27, 2026)

Annual Enrollment is open now through December 7, 2026, with new coverage starting January 1, 2027. About 3.2 million people in individual Medicare Advantage plans (about 11%) must pick a new plan for 2027 because theirs is being discontinued.

If your Medicare Advantage plan is ending, you generally have a guaranteed issue right to buy certain Medigap plans, including Plan G, without health questions. The right lasts until 63 days after your Medicare Advantage coverage ends, so apply before your plan ends to avoid a gap.

Your Part B deductible counts toward the $3,050 High-Deductible Plan G deductible. CMS has not yet announced the 2027 Part B deductible; it normally does in November, and the 2026 Medicare Trustees Report projects about $292, up from $283 in 2026. The projected 2027 Part B premium is about $209.50 a month, up from $202.90.

High-Deductible Plan F has the same $3,050 deductible for 2027, but Plan F and Plan C remain available only to people who were eligible for Medicare before January 1, 2020.

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

Key Highlights

✔

The 2027 High-Deductible Plan G deductible is $3,050, up from $2,950 (CMS).

✔

The same deductible applies to High-Deductible Plan F, for people eligible for Medicare before 2020.

✔

After you meet it, HDG covers like regular Plan G for the rest of the year.

✔

HDG premiums are usually much lower than regular Plan G premiums.

✔

Medigap does not include drug coverage; add a Part D plan.

Compare plans and enroll online

How the 2027 Deductible Works

Step by Step

You pay Medicare-covered costs first. Deductibles, coinsurance and copays that Plan G would normally pay count toward the $3,050.

The Part B deductible counts. What you pay toward the Part B deductible is part of the $3,050.

Coverage starts at $3,050. After that, the plan pays like regular Plan G until December 31.

It resets each January. The deductible starts over every calendar year.

What does not count: your monthly premiums, and costs for services Medicare does not cover, do not count toward the deductible. Part D drug costs do not count either.

Medicare Supplement Quotes

Call a Licensed Agent Now

Compare Plan G, Plan N and more from several insurance companies in one call.

☎ 1-855-398-0716

TTY users 711 | Mon–Fri: 5am–7pm, Sat–Sun: 7am–4pm CT

No obligation to enroll

How the Deductible Has Changed

Year	HDG and HDF Deductible
2026	$2,950
2027	$3,050

Source: CMS. The deductible is adjusted each year for inflation.

CMS adjusts the deductible every year based on inflation, so it generally rises a little each year. Budget for that when you compare HDG with regular Plan G over several years.

Understanding How High-Deductible Plan G Works

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
Worst-case yearly cost	Premiums plus up to $3,050	Premiums plus the Part B deductible
Best for	Healthy people with savings	People who want the most predictable costs

A simple break-even test

Add up a year of premiums for each plan. Then add $3,050 to the HDG total to get its worst case, and add the Part B deductible to the regular Plan G total to get its worst case. If HDG’s worst case is close to or below regular Plan G’s, HDG is the better value for most people. If it is much higher, regular Plan G may be worth the extra premium, especially if you expect regular medical bills.

Find & Compare Plans Online

Speak with a licensed insurance agent

1-855-398-0716TTY 711

Mon-Fri: 8am-9pm ET

Who High-Deductible Plan G Fits

HDG May Fit If

✔

You are generally healthy and rarely need care

✔

You can comfortably pay $3,050 in a bad year

✔

You want full Plan G protection at the lowest premium

✔

You want catastrophic protection with any doctor

Regular Plan G May Fit If

✔

You see doctors or specialists regularly

✔

You want predictable monthly costs

✔

A $3,050 bill would strain your budget

✔

You have ongoing treatment

Switching Between HDG and Plan G

Moving from regular Plan G to HDG is usually easy, since you are choosing less coverage. Moving from HDG to regular Plan G later can be harder: outside your Medigap Open Enrollment Period or a guaranteed issue right, most states let insurers ask health questions and decline you.

State rules can help: New York and Connecticut allow Medigap enrollment year-round, and states such as California and Oregon give yearly windows to switch to equal or lesser coverage.

What Original Medicare Leaves You to Pay

A Medicare Supplement plan is built to cover the gaps in Original Medicare. These are the costs it can pick up:

Original Medicare Gap	What It Means for You	Covered By
Part A deductible	A deductible for each hospital benefit period, not once a year. It was $1,736 in 2026.	Plans B, C, D, F, G and N in full; K, L and M in part
Part A hospital coinsurance	Daily charges after day 60 of a hospital stay, rising after day 90	All 10 plans, plus 365 extra hospital days
Part B deductible	A yearly deductible before Part B pays. It was $283 in 2026 and is projected at about $292 for 2027.	Only Plans C and F
Part B coinsurance	Usually 20% of the approved amount, with no yearly cap	All plans (K and L in part, N with copays)
Part B excess charges	Up to 15% above the approved amount from doctors who do not take assignment	Plans F and G
Skilled nursing coinsurance	Daily charges from day 21 to day 100 of a covered stay	Plans C, D, F, G, M and N (K and L in part)
Emergency care abroad	Original Medicare generally does not cover care outside the U.S.	Plans C, D, F, G, M and N, up to plan limits

No cap without a supplement: Original Medicare has no out-of-pocket maximum. Without a Medigap plan or other coverage, there is no limit to the 20% you can owe on Part B services.

All 10 Medigap Plans Compared

Federal law sets exactly what each plan letter covers, so the same letter has the same benefits from every insurer in your state.

Benefit	A	B	C*	D	F*	G	K	L	M	N
Part A coinsurance and hospital costs up to 365 extra days	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Part B coinsurance or copayment	Yes	Yes	Yes	Yes	Yes	Yes	50%	75%	Yes	Yes***
First 3 pints of blood	Yes	Yes	Yes	Yes	Yes	Yes	50%	75%	Yes	Yes
Part A hospice coinsurance or copayment	Yes	Yes	Yes	Yes	Yes	Yes	50%	75%	Yes	Yes
Skilled nursing facility coinsurance	No	No	Yes	Yes	Yes	Yes	50%	75%	Yes	Yes
Part A deductible	No	Yes	Yes	Yes	Yes	Yes	50%	75%	50%	Yes
Part B deductible	No	No	Yes	No	Yes	No	No	No	No	No
Part B excess charges	No	No	No	No	Yes	Yes	No	No	No	No
Foreign travel emergency (up to plan limits)	No	No	80%	80%	80%	80%	No	No	80%	80%
Out-of-pocket limit	None	None	None	None	None	None	Yes**	Yes**	None	None

*Plans C and F can only be bought by people who were eligible for Medicare before January 1, 2020. **Plans K and L have a yearly out-of-pocket limit that Medicare sets each year; after you reach it, the plan pays 100% of covered services for the rest of the year. ***Plan N pays all Part B coinsurance except copays of up to $20 for some office visits and up to $50 for emergency room visits that do not lead to an inpatient admission. Massachusetts, Minnesota and Wisconsin standardize their plans differently.

Medicare Supplement Quotes

Call a Licensed Agent Now

Compare Plan G, Plan N and more from several insurance companies in one call.

☎ 1-855-398-0716

TTY users 711 | Mon–Fri: 5am–7pm, Sat–Sun: 7am–4pm CT

No obligation to enroll

When You Can Buy

Key Takeaway

Your six-month Medigap Open Enrollment Period starts the first month you are 65 or older and enrolled in Part B. During it, an insurer cannot deny you or charge more because of your health.

Watch for: outside your six-month Medigap Open Enrollment Period or a guaranteed issue right, most states let insurers ask health questions and decline you or charge more.

Federal law also gives you guaranteed issue rights in certain situations, generally within 63 days after other coverage ends:

You May Have a Right to Buy If

✔

Your Medicare Advantage plan leaves your area or stops serving Medicare

✔

You joined Medicare Advantage when first eligible at 65 and want to switch back within the first year

✔

You dropped a Medigap policy to try Medicare Advantage for the first time and want to return within a year

✔

Your employer or union coverage that pays after Medicare ends

✔

Your Medigap insurer goes bankrupt or misleads you

State rules can give you more: New York and Connecticut allow Medigap enrollment year-round without health questions, and states such as California and Oregon give yearly windows to switch to an equal or lesser plan.

Medigap and Part D

High-Deductible Plan G does not include drug coverage, and drug costs do not count toward the deductible. Add a standalone Part D plan; for 2027, the maximum Part D deductible is $700 and the out-of-pocket cap is $2,400.

$700

Maximum 2027 Part D deductible, up from $615.

$2,400

2027 Part D out-of-pocket cap, up from $2,100.

About $36

Average 2027 standalone Part D premium, up less than $1 (CMS).

Projected average drug portion of a Medicare Advantage premium for 2027, down from $11.32.

Getting Help

You do not have to compare plans alone, and you should not have to pay for help. These are the free options:

Free Help Comparing Plans

✔

Medicare Plan Finder on Medicare.gov, available any time

✔

1-800-MEDICARE (1-800-633-4227), available 24 hours a day, seven days a week

✔

Your State Health Insurance Assistance Program (SHIP), which offers free, unbiased counseling

✔

A licensed insurance agent or broker, who can compare plans from several insurers at no cost to you

Before any call, have your Medicare card, your list of drugs and doses, your doctors and your preferred pharmacies ready. It turns a long conversation into a short one.

Bottom Line

The Bottom Line

The 2027 High-Deductible Plan G deductible is $3,050. HDG gives you full Plan G protection after that, at a much lower premium. Run the break-even test, make sure you could cover the deductible in a bad year, and buy during your Medigap Open Enrollment Period if you can.

Compare plans and enroll online

Frequently Asked Questions

➤ What is the High-Deductible Plan G deductible for 2027?

It is $3,050, up from $2,950 in 2026, according to CMS. The same amount applies to High-Deductible Plan F. You pay Medicare-approved costs up to that amount before the plan starts paying, in exchange for a premium that is usually much lower than regular Plan G.

➤ Does the Part B deductible count toward the HDG deductible?

Yes. What you pay toward the Part B deductible counts toward the $3,050 High-Deductible Plan G deductible. Your other out-of-pocket costs for Medicare-covered services, such as Part A and Part B coinsurance, also count until you reach the deductible for the calendar year.

➤ Do premiums count toward the deductible?

No. Your monthly premiums do not count, and neither do costs for services Medicare does not cover or Part D drug costs. Only your out-of-pocket costs for Medicare-covered services, such as the Part B deductible and coinsurance, count toward the $3,050 amount in 2027.

➤ What happens after I meet the deductible?

The plan pays like regular Plan G for the rest of the calendar year: Medicare-approved costs are covered, including Part B excess charges. The deductible then resets on January 1, so you start again toward the new year’s amount, which CMS adjusts each year.

➤ Is High-Deductible Plan G worth it?

For many healthy people, yes. Compare a year of premiums plus $3,050 for HDG against a year of regular Plan G premiums plus the Part B deductible. If you expect frequent care or would struggle to pay $3,050 in a single year, regular Plan G may be the safer choice.

➤ Does the HDG deductible go up every year?

Usually. CMS adjusts the High-Deductible Plan G deductible each year for inflation. It rose from $2,950 in 2026 to $3,050 in 2027, so build some yearly increase into your budget when you compare HDG with regular Plan G.

➤ Can I switch from HDG to regular Plan G later?

You can apply, but outside your Medigap Open Enrollment Period or a guaranteed issue right, most states let insurers ask health questions and decline you. If you think you may want regular Plan G later, weigh that risk before choosing HDG, and check your state’s rules for any extra switching rights.

Medicare Supplement Quotes

Call a Licensed Agent Now

Compare Plan G, Plan N and more from several insurance companies in one call.

☎ 1-855-398-0716

TTY users 711 | Mon–Fri: 5am–7pm, Sat–Sun: 7am–4pm CT

No obligation to enroll

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.

Speak with a licensed insurance agent

1-855-398-0716

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

Compare Medicare Plans

Compare plans and costs in your area

High Deductible Plan G Deductible 2027

Key Highlights

Compare plans and enroll online

How the 2027 Deductible Works

How the Deductible Has Changed

High-Deductible Plan G vs Regular Plan G

Find & Compare Plans Online

Speak with a licensed insurance agent

1-855-398-0716TTY 711

Mon-Fri: 8am-9pm ET

Who High-Deductible Plan G Fits

Switching Between HDG and Plan G

What Original Medicare Leaves You to Pay

All 10 Medigap Plans Compared

When You Can Buy

Medigap and Part D

Getting Help

Bottom Line

Compare plans and enroll online

Frequently Asked Questions

➤ What is the High-Deductible Plan G deductible for 2027?

➤ Does the Part B deductible count toward the HDG deductible?

➤ Do premiums count toward the deductible?

➤ What happens after I meet the deductible?

➤ Is High-Deductible Plan G worth it?

➤ Does the HDG deductible go up every year?

➤ Can I switch from HDG to regular Plan G later?