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MyMedigapRate

Medigap High-Deductible Plan F

Plan F behind an annual deductible. Closed to newly eligible.

High-Deductible Plan F pays the same benefits as Plan F, but only after you have met a separate annual deductible set by CMS each year. Like standard Plan F it is closed to those first eligible on or after 1 January 2020.

What you still pay

  • The plan's annual deductible before benefits begin

The Medicare amounts behind those items

Medigap plans are described in terms of Medicare’s own deductibles and coinsurance, so the plan only means something once you know what those are. These are set by Medicare and change every year; no policy you buy changes them.

Official Medicare amounts for 2026, against 2025
What it is20262025Change
Part B standard monthly premiumWhat most people pay for Part B. Higher earners pay more, based on income reported to the IRS.$202.90$185up $17.90 (9.7%)
Part B annual deductibleThe figure that separates Plan G from Plan F: Plan G covers everything Plan F does except this.$283$257up $26 (10.1%)
Part A hospital deductiblePer benefit period, not per year — you can owe it more than once in a calendar year. Every Medigap plan except Plan A covers at least part of it.$1,736$1,676up $60 (3.6%)

2026 amounts announced by CMS on 2025-11-14, read 2026-08-30: 2026 Medicare Parts A & B Premiums and Deductibles. These change every year and are set by Medicare, not by any insurance company — no Medigap policy alters them. Confirm the current amount at Medicare.gov before relying on it.

Who can buy it

High-Deductible Plan F pays the Part B deductible, which is why federal law closed it to anyone who first became eligible for Medicare on or after 1 January 2020. If you were eligible before that date you can still buy it where a carrier still offers it. For everyone else, the closest open equivalent is Plan G.

Why the same plan costs different amounts

Because the benefits are fixed, price is the variable. Three things move it: the carrier’s underwriting and claims experience on its High-Deductible Plan F block in your state, the rating method it uses, and how long the block has been open. A carrier that entered a market cheaply and then filed steep increases on the same block is doing something visible in the public record — which is what we go looking for.

Rate history for High-Deductible Plan F

High-Deductible Plan F is too thinly sold in most markets to support a per-state rate-history page — in many states only one or two carriers file on it, and a trend line drawn through one filing is not a trend. We track the four blocks with enough competing filings to read honestly: Plan G and Plan N.

Other plans

  • Plan A — The federal floor. Every Medigap issuer must offer it.
  • Plan B — Plan A plus the Part A hospital deductible.
  • Plan C — Closed to people newly eligible in 2020 or later.
  • Plan D — Plan G's benefits without excess-charge coverage.
  • Plan F — The old first-dollar plan. Closed to newly eligible since 2020.
  • Plan G — The most comprehensive plan still open to new enrollees.
  • High-Deductible Plan G — Plan G behind an annual deductible, for a much lower premium.
  • Plan K — Cost-sharing plan with an annual out-of-pocket limit.
  • Plan L — Plan K at a higher coverage share and a lower annual limit.
  • Plan M — Splits the Part A deductible with you.
  • Plan N — Lower premium than Plan G, with small copays at the point of care.