Which is better, plan G or High Deductible Plan G?


Editorial team Published on

Standard Medigap Plan G has higher monthly premiums and covers all approved costs after you pay the annual Part B deductible ($283 in 2026), whereas High Deductible Plan G offers much lower monthly premiums but requires you to pay out-of-pocket up to an annual plan deductible ($2,950 in 2026) before 100% coverage kicks in.

Key Differences

  • Monthly Premium: Standard Plan G costs more each month, while High Deductible Plan G costs significantly less (often saving $50 to $100+ per month).
  • Annual Deductible: Standard Plan G only requires the annual Part B deductible ($283). High Deductible Plan G requires you to pay out-of-pocket costs up to $2,950 (which includes your Part A and Part B deductibles and coinsurance) before coverage starts paying 100%.
  • Benefits Coverage: Once their respective deductibles are met, both plans cover the exact same Medicare-approved services, including Part A and Part B coinsurance and Part B excess charges.
  • Predictability: Standard Plan G offers predictable medical expenses. High Deductible Plan G requires tracking your medical bills and out-of-pocket spending until you hit the threshold.

Which Should You Choose?

  • Standard Plan G is best if you visit doctors frequently, have chronic health needs, or prefer predictable monthly budgeting without heavy upfront risk.
  • High Deductible Plan G is best if you are generally healthy, rarely see a doctor, and want to save money on monthly premiums while still having a safety net for major medical emergencies.