Medigap High Deductible Plan G — lowest premium with comprehensive backstop.
High Deductible Plan G (HD Plan G) covers everything regular Plan G covers — but only after you meet a $2,870 deductible (2026) for Medicare-covered services. Premiums are dramatically lower ($30-$70/month) because you take more risk. Best for healthy people who want catastrophic protection.
What High Deductible Plan G covers
- Same benefits as Plan G — but only after you've paid the $2,870 high deductible (2026) out of pocket
- Once deductible is met, plan covers same as regular Plan G for the rest of the year
- Part B excess charges (where applicable)
- Foreign travel emergency
What High Deductible Plan G doesn't cover
- First $2,870/year of Medicare-covered out-of-pocket costs (you pay these yourself)
- Part B deductible ($259 in 2026 — counts toward the $2,870 deductible)
- Prescription drugs (need separate Part D plan)
High Deductible Plan G pros + cons
Pros
$30-$70/month premium is the lowest of any comprehensive Medigap plan. After hitting deductible, full Plan G benefits. Maximum out-of-pocket exposure is $2,870/year + premium — completely predictable worst case. Same network freedom as Plan G.
Cons
You pay first $2,870 of medical costs each year. Doesn't include drug coverage. Best math only works if you stay healthy — if you need a hospitalization, you'll hit the deductible quickly. Less common than Plan G or N — fewer carriers offer it.
Who High Deductible Plan G is best for
Healthy people who want catastrophic protection at the lowest premium. Total annual exposure (premium + deductible) is typically less than Plan G premium alone — making this the best math for low-utilization years. Worse math if you have ongoing health issues.
Typical premium
$30-$70/month for a 65-year-old non-smoker (varies by state, gender, ZIP). Premiums vary significantly by carrier — same High Deductible Plan G benefits, very different prices. Standardized benefits mean shopping by price is straightforward.
Estimated annual cost
Premium ($360-$840) + worst-case deductible ($2,870) = max ~$3,230-$3,710/year. Best case (no deductible hit) = ~$360-$840/year. Plus Part D plan.
Free High Deductible Plan G comparison.
A licensed advisor compares every High Deductible Plan G carrier in your state — same benefits, very different prices. Get a quote in 5 minutes. Free, no obligation.
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