Medigap High-Deductible Plan G
Plan G behind an annual deductible, for a much lower premium.
High-Deductible Plan G pays Plan G's benefits after you meet a separate annual deductible that CMS sets each year. The monthly premium is a fraction of standard Plan G. The trade is real: in a bad health year you pay the deductible before the plan does anything, and the rate-increase history on these blocks is worth reading carefully before you rely on the low entry premium.
What you still pay
- The plan's annual deductible before benefits begin
- The Part B annual deductible, which counts toward that deductible
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.
| What it is | 2026 | 2025 | Change |
|---|---|---|---|
| Part B standard monthly premiumWhat most people pay for Part B. Higher earners pay more, based on income reported to the IRS. | $202.90 | $185 | up $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 | $257 | up $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 | $1,676 | up $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 G is open to anyone eligible for Medicare Supplement coverage, including people who became eligible for Medicare recently. Whether a carrier will accept you outside your open enrollment window depends on your state’s rules and on medical underwriting.
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 G 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 G
High-Deductible Plan G 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.
- High-Deductible Plan F — Plan F behind an annual deductible. Closed to newly eligible.
- Plan G — The most comprehensive plan still open to new enrollees.
- 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.