High Deductible Plan G 2027: Deductible, Costs and Who It Fits

CONFIRMED BY CMS

The 2027 High Deductible Plan G deductible is $3,050, up from $2,950 in 2026. It takes effect January 1, 2027.

CONFIRMED BY CMS

The 2027 High Deductible Plan G deductible is $3,050, up from $2,950 in 2026. It takes effect January 1, 2027.

The quick test: add up a year of premium savings versus regular Plan G. If the savings come close to the difference between the two deductibles, about $2,767 using the $3,050 deductible for 2027 and the 2026 Part B deductible, High Deductible Plan G usually wins in a normal year and costs you little extra in a bad one.

A good fit if you:

• Are healthy and rarely see the doctor
• Want protection from a big hospital bill
• Can set aside the deductible if you need it

Look at regular Plan G or Plan N if you:

• See specialists or have ongoing treatment
• Want predictable costs with no large bills
• Would struggle to pay $3,050 in a single year

➤ What is the High Deductible Plan G deductible for 2027?

The High Deductible Plan G deductible is $3,050 for 2027, up from $2,950 in 2026. CMS sets it each year and it takes effect January 1.

➤ How does High Deductible Plan G work?

You pay Medicare-covered costs, both Part A and Part B, until you reach the yearly deductible. After that, the plan pays the same as regular Plan G: 100% of Medicare-approved costs for the rest of the calendar year.

➤ What is the difference between Plan G and High Deductible Plan G?

The benefits are the same. Regular Plan G leaves you only the Part B deductible, $283 in 2026. High Deductible Plan G leaves you a much larger deductible, $3,050 for 2027, in exchange for a much lower monthly premium.

➤ Is High Deductible Plan G worth it?

It can be if you’re healthy and rarely see the doctor. Compare the yearly premium savings with the extra deductible risk. If the savings are close to or more than the difference in deductibles, High Deductible Plan G often comes out ahead over time.

➤ Does the High Deductible Plan G deductible include the Part B deductible?

Yes. Every Medicare-covered cost you pay, including the Part A and Part B deductibles and coinsurance, counts toward the High Deductible Plan G deductible.

➤ Can I switch from High Deductible Plan G to regular Plan G?

You can apply, but outside your Medigap Open Enrollment Period or a guaranteed issue right, most states let insurance companies ask health questions and decline you. Choose carefully up front.

➤ Does High Deductible Plan G cover prescription drugs?

No. No Medigap plan includes prescription drug coverage. You need a separate Medicare Part D plan, and drug costs don’t count toward the High Deductible Plan G deductible.

➤ Who can buy High Deductible Plan G?

Anyone enrolled in Medicare Part A and Part B can apply. During your Medigap Open Enrollment Period, the six months starting the month you are 65 or older and enrolled in Part B, insurance companies can’t deny you or charge more because of your health.