High-Deductible Plan G: How the Deductible Works in 2026 and 2027

Sources: CMS: F, G & J Deductible Announcements · Medicare.gov: Compare Medigap plan benefits

This guide explains how high deductible Plan G works, what counts toward the deductible, how it compares with standard Plan G and what to check before you buy. We don't show prices or recommend a plan; we explain how the high-deductible option is built.

New to Medigap? Start with What is Medigap? and see Medicare Supplement Plan G for the standard version.

What is high deductible Plan G?

Medigap (Medicare Supplement Insurance) Plan G covers every benefit on Medicare's Medigap chart except the Part B deductible. For example, standard Plan G pays 100% of the Part A deductible, Part A and Part B coinsurance, skilled nursing facility care coinsurance and Part B excess charges, and 80% of foreign travel emergency care, up to plan limits. Medicare.gov notes that Plans F and G also come as a high-deductible plan in some states, where "you must pay up to $2,950 in 2026 for Medicare-covered costs (coinsurance, copayments and deductibles) before your policy pays anything" (Medicare.gov).

CMS describes the deductible as the yearly out-of-pocket expenses, excluding premiums, that you pay before the policy begins paying benefits. Once the deductible is met, CMS says the policy covers the remaining Medicare cost-sharing for the rest of the year; the Part B deductible still isn't covered, though it counts toward the high deductible. CMS notes that high-deductible Plan G is available to people who are new to Medicare on or after January 1, 2020, meaning people who turn 65 on or after that date or first become eligible for Medicare because of age, disability or ESRD on or after it (CMS). People who were eligible for Medicare before 2020 can also buy it, if an insurance company in their area offers it. The high-deductible version of Plan F is only available to people who were eligible for Medicare before January 1, 2020.

The high deductible Plan G deductible for 2026 and 2027

CMS sets the amount each year by law, raising it with the Consumer Price Index, and usually announces it after mid-September (CMS).

What counts toward the deductible

• Counts: deductibles, copayments and coinsurance for covered services that Medicare doesn't pay (Choosing a Medigap Policy).
• Doesn't count: premiums, including your Part B premium and the policy's own premium.
• Separate: foreign travel emergency care has its own $250 yearly deductible (Choosing a Medigap Policy).

Your insurance company keeps track of what has counted toward your deductible. Ask how it shows that on your statements.

High deductible Plan G vs standard Plan G

Sources: Medicare.gov · CMS · Choosing a Medigap Policy

Each company sets its own premium for each version, and we don't list prices on this page. Compare the premium and the deductible together, along with how often you expect to use care. For more on how Plan G compares with Plan N, see Plan G vs Plan N.

Track your progress toward the deductible

Enter what you've paid this year in Medicare-covered costs that count toward your high-deductible Plan G deductible. The tracker shows how much is left before the policy starts paying, using CMS's deductible for the year you pick.

Questions to ask yourself about high deductible Plan G

Whether it fits depends on your health, your budget and how you use care. These questions can help you think it through:

• How many doctor visits, tests or hospital stays do I usually have in a year?
• Could I pay Medicare-covered costs up to the deductible in a year with a lot of care?
• Do my doctors accept Medicare assignment? Ask the company how Part B excess charges count toward the deductible.
• How do the premiums for standard and high-deductible Plan G compare where I live?

Read more about doctors who don't accept assignment in Medicare Part B excess charges.

Timing matters for high deductible Plan G

You can apply for a Medigap policy at any time, but timing matters. Your Medigap Open Enrollment Period is a one-time 6-month window that starts the first month you're 65 or older and enrolled in Part B. During it, a company can't turn you down or charge more because of your health, though it may make you wait up to 6 months to cover a pre-existing condition. Outside it, insurers may ask health questions, charge more or turn you down (Medicare.gov). See Medigap Open Enrollment Period, Medicare enrollment dates and turning 65 in Utah.

For the Utah picture across all letters, see Medicare Supplement plans in Utah.

Considering Medicare Advantage instead?

High-deductible Plan G adds to Original Medicare. Medicare Advantage is a different path, and Medigap can't be used with a Medicare Advantage plan. Learn how it works in What is Medicare Part C?, compare the two coverage styles in Medicare Advantage vs. Medicare Supplement, or use our Original Medicare vs. Medicare Advantage comparison tool. Medicare Advantage changes happen during Open Enrollment and the Medicare Advantage Open Enrollment Period, which are separate from your Medigap window.

How our team helps

We're Boo Insurance Services, a licensed independent Medicare agency in Draper, licensed since 2014. We've helped 1,000+ Utahns with Medicare and have 170+ 5-Star Google Reviews. We meet by phone or video anywhere in Utah, explain how the high-deductible option works and which companies offer it where you live, and answer your questions in plain language. You won't pay us a fee. Insurance companies pay us when you enroll, and that doesn't change your plan's benefits, coverage or premium. If we talk about Medicare Advantage or drug plans, Medicare rules require a short Scope of Appointment form first. You decide, with no obligation.

Frequently asked questions

What is the high deductible Plan G for 2027?

High deductible Plan G for 2027 is Medigap Plan G with a yearly deductible of $3,050, set by CMS. You pay Medicare-covered costs up to that amount before the policy pays. After you meet it, the policy pays the same benefits as standard Plan G for the rest of the calendar year. In 2026 the deductible is $2,950.

How much is the high deductible Plan G deductible in 2027?

The high deductible Plan G deductible for 2027 is $3,050. CMS announced that amount in its October 2026 announcement for calendar year 2027. The 2026 deductible is $2,950.

What is Plan G high deductible for 2027?

Plan G high deductible for 2027 means high deductible Plan G, a Medigap option whose yearly deductible is $3,050 starting January 1, 2027 (CMS). Until you reach that deductible, you pay Medicare-covered costs yourself. Afterward, benefits match standard Plan G for the rest of the year.

What is the Plan G deductible for 2027?

If you mean high deductible Plan G, the 2027 deductible is $3,050, per CMS. Standard Plan G does not use that high deductible; it follows Plan G's usual cost sharing (and does not pay the Part B deductible). High deductible Plan G is the version with the $3,050 yearly deductible in 2027.

What is the high deductible Plan G deductible for 2027?

CMS set it at $3,050, effective January 1, 2027. For 2026, it's $2,950. CMS updates the amount every year.

How does high deductible Plan G work?

You pay Medicare-covered costs, like coinsurance, copayments and deductibles, up to the yearly deductible. After that, the policy pays the same benefits as standard Plan G for the rest of the calendar year.

Do premiums count toward the high deductible Plan G deductible?

No. CMS describes the deductible as out-of-pocket expenses excluding premiums. Your Part B premium and your policy premium don't count.

Does high deductible Plan G cover the Part B deductible?

No. Like standard Plan G, it doesn't pay the Part B deductible, which is $283 in 2026. That deductible is a Medicare-covered cost you pay, so it counts toward the high deductible.

Are high deductible Plan G benefits the same as standard Plan G?

Yes, once you meet the deductible. Plan G benefits are standardized by law, so they're the same with every company that sells them. Premiums can differ.

Who can buy high deductible Plan G?

Anyone who can buy Plan G, including people new to Medicare on or after January 1, 2020, where a company sells it. Medicare.gov notes it's offered in some states, so ask which companies sell it where you live in Utah. You need Part A and Part B, and it works only with Original Medicare.

When can I buy high deductible Plan G?

You can apply for a Medigap policy at any time, but timing matters. Your 6-month Medigap Open Enrollment Period starts the first month you're 65 or older and enrolled in Part B. During it, a company can't turn you down or charge more because of your health, though it may make you wait up to 6 months to cover a pre-existing condition. Outside it, insurers may ask health questions, charge more or turn you down.

Serving Utah residents. We do not offer every plan available in your area. Currently we represent 9 organizations which offer 58 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Sources

• CMS, F, G & J Deductible Announcements (CY 2026 and CY 2027 announcements)
• CMS, 2026 Medicare Parts A & B Premiums and Deductibles
• Medicare.gov, Compare Medigap plan benefits
• Medicare.gov, Choosing a Medigap Policy (CMS Product 02110)
• Medicare.gov, When can I buy a Medigap policy?

Not connected with or endorsed by the United States government or the federal Medicare program. Fores Boo, licensed independent Medicare agent, NPN 17255694, Boo Insurance Services, 61 W 13490 S Ste 201, Draper, UT 84020.

Last updated: October 21, 2026.