Medigap
High-Deductible G
High-deductible Medigap paired with Original Medicare: typically lower premiums than standard Plan G, with a higher annual plan deductible before full gap coverage matches Plan G–style benefits.
The quick version
If you only read one thing, read this
- 1
Covers the same benefit categories as Plan G after you meet the plan’s high deductible (varies by year and carrier).
- 2
Expect lower premiums than standard G with more upfront cost until the deductible is satisfied.
- 3
Medical underwriting or guaranteed-issue windows match other Medigap plans in your state.
The details
The stuff that matters, one piece at a time
Benefits
Covers the same benefit categories as Plan G after you meet the plan’s high deductible (varies by year and carrier).
What it costs
Show me the money
- Monthly Premium Range
- $90–$210 USDVaries by letter, age, zip, carrier
- Part B Premium (2026)
- $202.90 USDStandard; IRMAA surcharges may apply
- Part B Deductible Left
- Yes ($283)All current plans except F leave it (F closed to most new enrollees)
The honest take
What's good, and where it falls short
The good stuff
- Predictable costs with minimal surprise bills
- Nationwide provider access. Any doctor accepting Medicare
- Standardized benefits regardless of carrier
The catch
- Separate Part D and dental/vision policies needed
- Premiums increase over time (age, inflation, claims)
- Medical underwriting outside guaranteed issue windows
Buyer beware
The mistakes that cost folks the most
Missing your 6-month guaranteed issue window and facing medical underwriting later
Assuming drug coverage is included. You need a separate Part D plan
Delaying dental coverage until major work is needed, raising out-of-pocket risk
Not comparing rate types (attained-age vs issue-age vs community-rated) across carriers
Common questions
What folks ask us most
Keep learning
Watch these next
Ready for your next step?
Bring what you learned about High-Deductible G into the guided walk-through, or talk it through with a licensed agent.