When it comes to Medicare Supplements (Medigap), one of the biggest questions agents and clients alike ask is: What about high-deductible plans?

These plans have been around for years—first with High-Deductible Plan F, and now with High-Deductible Plan G. Some carriers, like Physicians Mutual, have even innovated with hybrid versions such as their patented “Innovative Plan G.”

But what makes these plans different? And more importantly—are they worth considering?

What Is a High-Deductible Medicare Supplement Plan?

At its core, a High-Deductible Plan G works just like a standard Plan G—but with one major difference: a higher deductible.

• Medicare is still primary. That means Medicare pays its share first before the Med Supp kicks in.

• The deductible only applies to secondary costs. In 2025, that deductible is $2,870, and it’s projected to be about $3,000 in 2026.

Once the deductible is met, the plan works the same as a traditional Plan G—covering nearly all out-of-pocket Medicare-approved costs, minus the standard Part B deductible.

In short: same strong benefits, but with more upfront risk before coverage begins.

Why Some Clients Choose High-Deductible Plans

The biggest selling point? Premium savings.

For example, in Hillsborough County, Florida, a standard Plan G might run $200+ per month for a 65-year-old female. The high-deductible version of Plan G? As low as $52 per month.

That’s nearly 80% lower in premiums—a massive difference that’s hard to ignore.

Even in states with lower Plan G rates (say $120–$150 monthly), the high-deductible option can drop as low as $29 with certain carriers.

For budget-conscious seniors who still want the reliability of a Med Supp, these savings can make a high-deductible option extremely attractive.

The Trade-Offs Agents Should Explain

While the savings are real, there are also drawbacks to keep in mind:

• The deductible means clients carry more risk upfront.

• Rate increases can still happen—sometimes just as much as standard Plan Gs.

• Medicare Advantage may still be a stronger fit in markets with rich benefits.

In other words, high-deductible plans aren’t a blanket solution. They’re best for the right type of client: healthy, budget-conscious, and comfortable with some out-of-pocket risk in exchange for significantly lower premiums.

Why This Matters for Agents

As agents, understanding the premium differences and positioning of high-deductible plans gives you another tool in your sales arsenal.

For some prospects, a standard Plan G makes sense. For others, the high-deductible option could unlock coverage they otherwise couldn’t afford.

The key is being prepared with the facts—and with leads who are already interested in Medicare Supplements, you can have these conversations more effectively.

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