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.
How the 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 with your own choices?
Every state runs a State Health Insurance Assistance Program (SHIP) with trained counselors who give free, unbiased Medicare help and do not sell plans. Find yours on our Medicare by state pages, or call Medicare at 1-800-MEDICARE (1-800-633-4227) (TTY 1-877-486-2048, 24 hours a day, 7 days a week).
Planning the rest of your coverage in retirement? We can help with life insurance later in life and final expense coverage.
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.
Quote My Policy does not sell Medicare plans on this site. For plan-specific help, contact Medicare at 1-800-MEDICARE (1-800-633-4227) (TTY 1-877-486-2048, 24 hours a day, 7 days a week) or your State Health Insurance Assistance Program.