High-deductible Plan G trades a higher yearly deductible for substantially lower premiums. Here's whether it makes sense for you.
How does high-deductible Plan G work?
High-deductible Plan G (HDG) provides the exact same benefits as standard Plan G, but you must first pay an annual deductible ($2,800 in 2025; the 2026 figure is set by CMS) before the plan begins paying. Until you reach that deductible, you cover your Medicare cost-sharing yourself; afterward, HDG pays nearly all remaining Medicare-approved costs, just like standard Plan G. In return, the monthly premium is dramatically lower, often a fraction of standard Plan G. It's essentially catastrophic coverage with a low premium. For healthy people who rarely need care, the premium savings can outweigh the deductible. Call 1-800-MEDIGAP (1-800-633-4427) to run the numbers.
Who should consider high-deductible Plan G?
High-deductible Plan G makes the most sense for relatively healthy enrollees who don't expect heavy medical use and want to minimize their guaranteed monthly cost. If you stay healthy, you pay low premiums all year and may never hit the deductible. If a major medical event happens, your spending is capped once you reach the deductible, then HDG covers the rest. It's less ideal for people with chronic conditions or frequent care, who may hit the deductible quickly and prefer standard Plan G's predictability. A licensed agent at 1-800-MEDIGAP can compare your likely total costs under both versions, free.