High-Deductible Plan G
High-Deductible Plan G is regular Plan G with a different deal: a much lower premium, but you pay all Medicare-covered cost-sharing yourself until you've spent $2,950 in a year — then it pays like full Plan G. Same standardized benefits, different risk split.
Who Plan G tends to fit
- Healthy budgeters who want catastrophic protection: the deductible caps a bad year, and the premium savings are yours in every good year.
- People comfortable self-funding routine care in exchange for a known worst case.
- People priced out of full Plan G who still want Medigap's any-doctor freedom rather than a network plan.
The trade-offs
- The full deductible ($2,950 in 2026) is your exposure — a hospitalization early in the year means paying Medicare's deductibles and coinsurance out of pocket until you reach it.
- The deductible resets every January and CMS adjusts it annually.
- Not sold in every state — availability depends on where you live.