High-Deductible Medicare Supplement Plan G

If you like the idea of Medigap but want a lower premium, High-Deductible Plan G (HDG) is worth a look. It's the same coverage as regular Plan G — you just take on one annual deductible in exchange for a much smaller monthly bill.

How It Works

High-Deductible Plan G covers everything regular Plan G covers. The difference is timing: you pay a high annual deductible (about $2,800 in 2026, set each year by Medicare) out of pocket first. Once you hit it, the plan pays your Medicare cost-sharing exactly like standard Plan G for the rest of the year — so your worst-case exposure is capped and predictable.

Who It Fits

• Healthy, premium-focused — you rarely hit the deductible, so the low premium is pure savings.
• Want catastrophic protection — a bad year is capped at the deductible plus premiums, not open-ended like Original Medicare alone.
• Comfortable with some risk — you're betting you'll spend less than the premium difference in most years.

The Trade-off

If you expect heavy medical use, regular Plan G or Plan N may cost less overall, since you'd hit the deductible anyway. Weighing Medigap against a bundled plan? See Medicare Supplement vs Medicare Advantage, or run the numbers in our cost estimator. We're happy to compare all of it with you, free.