High-deductible Plan G
Plan G's coverage, with a deductible in exchange for a lower premium.
High-deductible Plan G works like regular Plan G once you've met a yearly deductible of $2,950 in 2026. Until then, you pay Medicare's cost sharing yourself. The premium is usually much lower than standard Plan G's.
Reviewed by Joshua H. Pannell, Licensed Insurance Agent (SC license #400481) ·
How the high-deductible Plan G deductible works
The deductible covers the costs Plan G would otherwise pay, such as the Part A deductible and Part B coinsurance, plus the Part B deductible. Once your out-of-pocket costs for Medicare-covered services reach $2,950 in a year, the plan pays like Plan G for the rest of the year. The deductible is set by Medicare and can change each year.
Who it can fit
- People who are healthy now and want protection against a bad year rather than coverage for routine costs.
- People with savings to cover the deductible if needed.
- People who want Original Medicare's freedom to use any provider at a lower premium than standard Plan G.
What to weigh
Compare the premium savings over a year with the deductible. If the savings are close to the deductible, standard Plan G may be the better deal. And remember that switching to standard Plan G later may require medical underwriting in most states.
Common questions
Yes, but only for people who became eligible for Medicare before 2020.
Yes. The Part B deductible counts toward the high deductible.
Want help comparing your options?
Currently we represent 41 organizations which offer 397 products in your area. You can always contact Medicare.gov or 1-800-MEDICARE for help with plan choices.
Sources
- Compare Medigap plan benefits, Medicare.gov. Checked September 29, 2026.
- Choosing a Medigap Policy (March 2026), Centers for Medicare & Medicaid Services. Checked September 29, 2026.
General information about the federal Medicare program, not advice about your situation. Figures are for 2026 unless stated and change every year; last reviewed September 29, 2026. Quote My Policy is a private company. Not connected with or endorsed by the United States government or the federal Medicare program.
Currently we represent 41 organizations which offer 397 products in your area. You can always contact Medicare.gov or 1-800-MEDICARE for help with plan choices.