High-Deductible Plan G 2027: The $3,050 Deductible, Costs and Break-Even Math

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 27, 2026

High-Deductible Plan G trades a big yearly deductible for a small monthly premium. In a bad year, your costs stop at a fixed ceiling.

CMS set the 2027 deductible at $3,050 in its October 2026 announcement. Below: how that number is set, what counts toward it, premiums and our own break-even scenarios.

High-Deductible Plan G is the high-deductible version of standardized Medigap Plan G. After the deductible is met, it pays exactly what regular Plan G pays: the Part A deductible and coinsurance, Part B coinsurance, Part B excess charges, skilled nursing and hospice coinsurance, blood and 80% of foreign travel emergencies. Before the deductible is met, it pays nothing.

CMS confirms that High-Deductible G has been available to people new to Medicare on or after January 1, 2020. It replaced High-Deductible Plan F for that group, because federal law stopped the sale of Plans C and F to anyone newly eligible from 2020 on. High-Deductible F still exists, but only for people eligible for Medicare before 2020.

For every plan letter side by side, see our guide to Medicare Supplement plans.

The deductible is set by federal law and is the same with every insurer and in every state. The starting point was $1,500 for 1998 and 1999. Each year since, CMS raises it by the change in the Consumer Price Index for all urban consumers (CPI-U) and rounds to the nearest $10.

For 2027, the CPI-U rose 3.40%, which took the deductible from $2,950 in 2026 to $3,050. The same amount applies to High-Deductible Plan F and the old High-Deductible Plan J. Here’s how it has climbed since High-Deductible G opened to new enrollees:

CMS describes the deductible as your yearly out-of-pocket expenses, not counting premiums. The NAIC’s standardized benefit chart adds that it includes the Part B deductible and the expenses the policy would ordinarily pay. In practice that means:

Excess charges: Plan G pays Part B excess charges, the up-to-15% that doctors who don’t accept Medicare assignment can add. Since that’s a cost the policy would ordinarily pay, excess charges you pay before the deductible is met generally count toward it. Insurers process claims differently, so confirm with yours if you see a doctor who doesn’t take assignment.

Because the insurer pays nothing until you reach $3,050, High-Deductible G premiums are usually much lower than regular Plan G from the same company, often a fraction of the price. The exact gap depends on the same things that set any Medigap premium:

Check a company’s rate record in our guide to Medicare Supplement rate increases and pricing basics in Medicare Supplement plans cost.

To see where High-Deductible G wins and loses, we ran three yearly scenarios. Our assumptions: illustrative premiums of $50 a month for High-Deductible G, $160 for Plan G and $125 for Plan N; the $3,050 2027 deductible; and CMS’s 2026 Part A ($1,736) and Part B ($283) deductibles, since the 2027 amounts aren’t out yet. Totals are premiums plus your share of Medicare-covered costs. For Plan N we counted $20 office copays: 4 in the light year, 10 plus a $50 ER copay in the medium year, and 12 in the high year, where the ER copay is waived because you’re admitted.

With these premiums, High-Deductible G saves up to $1,320 a year over Plan G and costs at most $1,447 more in a bad year ($3,050 + $600, minus $2,203). It stays ahead of Plan G as long as your counted costs stay under about $1,603, which is the Part B deductible plus the $1,320 premium savings.

Run your own numbers: take the yearly premium difference from your quotes, add the Part B deductible, and compare that with how much Medicare cost sharing you expect. A smaller premium gap moves the break-even point down fast. Plan N’s copays work differently; see our Medicare Supplement Plan N guide for that math.

High-Deductible G works best as protection against a big year rather than as a way to prepay routine care. It tends to fit if you:

Weigh the way back, too. Moving up from High-Deductible G to regular Plan G later usually means passing medical underwriting, and a new diagnosis could keep you on the high-deductible version. Timing rules are in our guide to Medicare Supplement open enrollment, and our list of the best Medicare Supplement companies can help narrow insurers.

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