High-Deductible Plan F 2027: Medicare Supplement Eligibility, Deductible and Keep-or-Switch Math

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated November 6, 2026

Before anything else, High-Deductible Plan F comes down to a date. If your Medicare eligibility started on or after January 1, 2020, no insurer can sell it to you, no matter your age, health or state. If your eligibility started earlier, it’s still on the table, and for some people it’s one of the cheapest ways to cap a bad medical year.

This guide is for that second group: people deciding whether to buy HD-F, and people who already own it and wonder whether to keep it. It covers eligibility, the 2027 amount, a small difference from High-Deductible Plan G, our break-even table and closed-pool pricing.

The Medicare Access and CHIP Reauthorization Act of 2015 (MACRA) barred the sale of any Medigap plan that pays the Part B deductible to people newly eligible for Medicare on or after January 1, 2020. That rule closed Plan C, Plan F and the high-deductible version of F to everyone in that group.

The test is eligibility, not enrollment. The federal “Choosing a Medigap Policy” guide says that if you were eligible for Medicare before January 1, 2020 but haven’t enrolled yet, you may still be able to buy Plan C or F. That opens the door for a few groups:

CMS’s October 2026 notice sets the High-Deductible F, G and J deductible at $3,050 for calendar year 2027, effective January 1. The amount is the same with every insurer in every state that uses the standard letters, because the law fixes the formula: the prior year’s figure, adjusted by the change in the Consumer Price Index for all urban consumers, rounded to the nearest $10.

The 2027 increase is $100, from $2,950 in 2026, based on a 3.40% CPI-U change. Foreign travel emergency care keeps its own separate $250 deductible.

Meanwhile, the 2027 Part A and Part B deductibles weren’t out when this page was published on November 6, 2026. The figures used below are CMS’s 2026 amounts: a $1,736 Part A deductible per benefit period, a $283 Part B deductible and a $202.90 standard Part B premium.

The NAIC’s standardized benefit chart for HD-F says the expenses that count are those the policy would ordinarily pay, and it names both Medicare deductibles, Part A and Part B, as included. Here’s the split:

The detail most comparisons skip: after its deductible is met, HD-F pays what standard Plan F pays, and standard Plan F pays the Part B deductible. HD-G switches to standard Plan G benefits, which leave the Part B deductible with you. Usually that’s moot, since the Part B deductible is paid early and counts either way. But if Part A costs alone push you past the threshold before you’ve met the Part B deductible, as in a long hospital stay early in the year, HD-F would pick up the Part B deductible afterward and HD-G generally would not. Confirm with the insurer.

For the standard-plan version of that question, see whether Medicare Supplement covers the Part B deductible.

The two high-deductible plans share a threshold and nearly all benefits, but not a buyer pool. Full benefit lists for every letter are in our guide to Medicare Supplement plans, and the lower-premium G version has its own page on High-Deductible Plan G.

Assumptions, all labeled: illustrative monthly premiums of $60 for HD-F, $230 for standard Plan F and $185 for Plan G (not quotes; real prices vary by age, ZIP code and company). “Medicare cost sharing” means the counted costs you’d owe with no supplement in a given year. The 2027 HD deductible of $3,050 and the 2026 Part B deductible of $283 are used.

With these premiums, HD-F stays cheaper than standard F until your cost sharing reaches $2,040, the yearly premium gap. It ties Plan G at $1,783. Its worst year costs $1,010 more than standard F, while its best year saves $2,040, so a single claim-free year banks about two worst-case years’ worth of difference.

Swap in your own quotes: the break-even point against standard F is simply the yearly premium difference. Pricing basics are on our Medicare Supplement Plan F cost page.

Since 2020, no new 65-year-olds can join any Plan F risk pool. Each year the people insured under F and HD-F are, on average, a year older, and older policyholders file more claims. When a pool gets older and smaller without fresh, healthier members, insurers tend to file larger rate increases for it.

High-deductible pools differ a little: claims start only above $3,050, and the yearly CPI-U increase shifts a bit more cost back to policyholders each January. Your own renewal letters are the real evidence.

An HD-F owner in 2027 has three realistic paths, each with different trade-offs:

The step-by-step for leaving F is in switching from Plan F to Plan G, standard G benefits are in Medicare Supplement Plan G, and the health questions to expect are in Medigap underwriting questions.

Three states don’t sell the standard lettered plans. Massachusetts, Minnesota and Wisconsin each standardize Medigap their own way. The federal guide notes that Minnesota sells its own versions of high-deductible F to people eligible before 2020 and that Wisconsin offers a high-deductible plan option; Massachusetts doesn’t list one. If you live in one of these states, ask for the state’s plan names rather than “HD-F.” Elsewhere, state rules mostly affect switching; see Medicare Supplement guaranteed issue rights by state. For the ranking context, the top Medicare Supplement plans shows how many people still hold Plan F overall.

Free Medigap Price Comparison

Call a Licensed Agent Now

Compare Plan G, Plan N and more from several insurance companies in one call.

☎ 1-888-891-0229

No cost, no obligation to enroll