How the deductible works
The deductible is the yearly amount you pay out of pocket, not counting premiums, before the policy starts paying. It covers the costs regular Plan G would have paid, such as the Part A deductible and your Part B coinsurance.
Once you have paid $2,950 in 2026 ($3,050 in 2027), the policy pays like regular Plan G for the rest of the year. You still pay the Part B deductible, $283 in 2026, which counts toward the total.
| Item | 2026 | 2027 |
|---|---|---|
| High-deductible Plan G deductible | $2,950 | $3,050 |
| Part B deductible (counts toward it) | $283 | Not published as of October 15, 2026 |
| Part A deductible (counts toward it) | $1,736 | Not published as of October 15, 2026 |
How CMS sets the amount
The amount is set by law and rises each year with the Consumer Price Index. For 2027, CMS applied a 3.40% increase and rounded to the nearest $10, giving $3,050.
CMS announces the next year’s amount each October. The same deductible applies to high-deductible Plan F, which is sold only to people who were eligible for Medicare before January 1, 2020.
Who it tends to fit
High-deductible Plan G trades a lower premium for more risk. It tends to fit someone who is healthy, has savings to cover the deductible in a bad year, and wants protection mainly against large bills.
Do the math both ways in the Medigap cost comparison calculator, and see what regular Plan G covers. We’ll tell you honestly if this isn’t the right fit for you.