How much is the HDG deductible in 2026?

The HDG deductible is $2,870 in 2026. This amount is set annually by the federal government and typically increases by $50–$100 per year. Once you meet the deductible, HDG covers 100% of Medicare-approved costs for the rest of the calendar year — just like standard Plan G.

What counts toward the HDG deductible?

All Medicare-approved cost-sharing counts toward the deductible — including the Part A hospital deductible, Part B coinsurance, skilled nursing facility coinsurance, and the Part B deductible. Foreign travel emergency costs do not count toward the deductible.

How does HDG compare to standard Plan G in cost?

A 65-year-old in Florida might pay $130–$160/month for standard Plan G versus $35–$55/month for HDG — a difference of $90–$120/month, or $1,080–$1,440 per year. In a year with no major health events, HDG saves you over $1,000. Even in a year where you hit the full $2,870 deductible, your total out-of-pocket (premium + deductible) is often comparable to or less than Plan G's total cost.

Who is HDG best suited for?

HDG works best for people who are relatively healthy, have an emergency fund or HSA to cover the deductible if needed, and want the lowest possible monthly premium while maintaining a safety net against catastrophic costs. It is also popular with people who are still working part-time and have other income to absorb occasional medical costs.

Can I use an HSA with HDG?

No. Once you are enrolled in Medicare, you can no longer contribute to a Health Savings Account (HSA). However, you can use existing HSA funds to pay HDG out-of-pocket costs, including the deductible. If you are still working and delaying Medicare, an HSA-compatible high-deductible health plan may be worth considering before you transition to Medicare.

Is HDG available to everyone turning 65?

Yes. During your 6-month Medicare Supplement Open Enrollment Period — which begins the month you turn 65 and are enrolled in Part B — you can enroll in HDG with any carrier without medical underwriting. Outside this window, carriers can require health questions and may decline coverage.

What happens if I have a major health event with HDG?

If you have a major health event — a hospitalization, surgery, or serious illness — you will pay out-of-pocket costs until you reach the $2,870 deductible. After that, HDG covers 100% of Medicare-approved costs for the rest of the year. The deductible resets on January 1 each year.

Can I switch from HDG to standard Plan G later?

You can apply to switch at any time, but outside of guaranteed-issue periods, carriers can require medical underwriting. If your health has changed significantly, you may be declined for standard Plan G. This is the main risk of HDG — if you develop a serious condition, you may be locked into the higher deductible structure. Discuss this risk with William before choosing HDG.

Does HDG cover foreign travel emergencies?

Yes. HDG covers 80% of medically necessary emergency care outside the United States after a $250 deductible, up to a $50,000 lifetime maximum. Foreign travel costs do not count toward the HDG annual deductible.

Lowest Medigap Premium Available

High Deductible Plan G Quote Florida 2026

Q: What is High Deductible Plan G (HDG)?

High Deductible Plan G is a Medicare Supplement plan that provides the same comprehensive coverage as standard Plan G — but only after you have paid a calendar-year deductible of $2,870 in 2026. In exchange for this higher out-of-pocket threshold, your monthly premium is dramatically lower, typically $35–$55 per month in Florida.

HDG delivers full Plan G coverage after a $2,870 deductible — with premiums as low as $35–$55/month. The lowest Medigap premium available, with a catastrophic safety net built in.

Independent broker — FL license #W690237 — comparing 15+ carriers

Call (386) 871-3858 Compare Rates Online

What Is High Deductible Plan G?

High Deductible Plan G (HDG) is a Medicare Supplement plan that provides identical coverage to standard Plan G — but only kicks in after you have paid a calendar-year deductible of $2,870 in 2026.

In exchange for accepting this higher out-of-pocket threshold, your monthly premium drops dramatically — from $130–$160/month for standard Plan G to just $35–$55/month for HDG. That is a savings of $90–$120 per month, or over $1,000 per year.

Once you meet the deductible, HDG covers 100% of Medicare-approved costs for the rest of the calendar year — hospital stays, skilled nursing, Part B coinsurance, and more. The deductible resets on January 1.

Key insight: HDG is not a bare-bones plan — it is the same comprehensive Plan G coverage with a higher deductible threshold. Think of it as self-insuring for routine costs while protecting yourself against catastrophic expenses.

HDG vs Standard Plan G: The Real Cost Comparison

The math is what makes HDG compelling. Here is a realistic 5-year comparison for a 65-year-old in Florida:

Scenario	Standard Plan G	High Deductible Plan G
Monthly premium	~$145/mo	~$45/mo
Annual premium cost	$1,740/yr	$540/yr
Healthy year (no deductible hit)	$1,740 total	$540 total
Moderate year ($1,000 in costs)	$1,740 total	$1,540 total
Major year (full deductible)	$1,740 total	$3,410 total
5-year total (healthy)	$8,700	$2,700
5-year total (1 major year)	$8,700	$5,110

Illustrative example using $145/mo Plan G and $45/mo HDG premiums. Your actual rates depend on age, ZIP code, gender, and carrier. Even with one major health year, HDG often saves money over a 5-year horizon.

What HDG Covers (After the Deductible)

Once you meet the $2,870 deductible, HDG covers everything standard Plan G covers:

Medicare Part A coinsurance and hospital costs

Covers inpatient hospital costs up to an additional 365 days after Medicare benefits are exhausted.

Medicare Part A deductible ($1,676 in 2026)

Counts toward your HDG deductible; covered in full once deductible is met.

Medicare Part B coinsurance (20%)

Covered in full after deductible — no copays, no coinsurance.

Skilled nursing facility coinsurance

Days 21–100 of a skilled nursing facility stay covered after deductible.

Part B excess charges

Covered after deductible — unlike Plan N, HDG covers excess charges once the deductible is met.

Foreign travel emergency care

Covers 80% of emergency care outside the U.S. after a $250 deductible (separate from the HDG deductible), up to $50,000 lifetime.

What You Pay Before the Deductible

All Medicare cost-sharing up to $2,870

You pay 100% of Medicare-approved cost-sharing until you reach the annual deductible. This includes the Part A hospital deductible, Part B coinsurance, and skilled nursing coinsurance.

Part B deductible ($257 in 2026)

Counts toward your HDG deductible — same as standard Plan G.

See Your HDG Rate in 2 Minutes

I compare HDG rates from every major carrier in Florida and walk you through the break-even math for your specific situation. No pressure, no obligation.

Call William: (386) 871-3858 Compare Rates Online

Who Is HDG Best For?

HDG is not for everyone — but for the right person, it is the most cost-effective Medigap option available. Here are the profiles where HDG consistently makes sense:

Healthy, active retirees

You are in good health, rarely need medical care beyond annual checkups, and want to minimize your fixed monthly costs. HDG's premium savings of $1,000+ per year accumulate quickly.

People with emergency savings

You have $3,000–$5,000 in accessible savings or an existing HSA balance to cover the deductible if a major health event occurs. HDG works best when you can self-insure the deductible without financial stress.

Budget-focused new enrollees

You are turning 65 and want the lowest possible monthly premium while still having a safety net. HDG's $35–$55/month premium is the lowest available for comprehensive Medigap coverage.

Long-term cost optimizers

You are thinking in 5–10 year horizons. Even with one or two major health years, HDG's cumulative premium savings often exceed the deductible costs over time.

How Much Does HDG Cost in Florida?

HDG premiums in Florida in 2026 typically range from about $35 to $65 per month for a 65-year-old non-tobacco female — making it the lowest-premium Medigap option available. Men generally pay 5–10% more.

Age 65

$35 – $55/mo

Typical range, non-tobacco female

Age 70

$45 – $70/mo

Attained-age carriers increase with age

Age 75

$55 – $85/mo

Community-rated carriers hold steadier

These are illustrative ranges. Your actual quote depends on your specific age, ZIP code, gender, and tobacco status. Call or use the online tool for your exact rates.

Compare Real-Time High Deductible Plan G Rates

Frequently Asked Questions About High Deductible Plan G

These are the questions I hear most often from people considering HDG in Florida. Call me at (386) 871-3858 if you do not see yours here.

Ready to See Your HDG Rate?

I will pull HDG quotes from every major carrier in your area and walk you through the break-even math for your specific situation. No pressure, no obligation.

Call William: (386) 871-3858 Compare Rates Online