The Low-Premium Version of Plan G Nobody Mentions: High-Deductible Plan G in 2026

Same Coverage, Different Deductible

Most people who like Plan G’s coverage assume the only version is the standard one. There’s a second version with the same protections, just behind a higher deductible, and a notably lower monthly premium.

Curious if the high-deductible version could actually save you money? Run the numbers on High-Deductible Plan G

How the Math Works

High-Deductible Plan G requires you to pay a deductible ($2,870 in 2026) before the plan starts covering costs, after which it covers the same things standard Plan G does. The premium savings can be substantial for retirees in good health who rarely hit that deductible threshold in a given year.

Best fit: healthier retirees comfortable carrying some risk in exchange for meaningfully lower monthly premiums.

Want to know your real break-even point? See your break-even between high and standard deductible

The Bottom Line

High-Deductible Plan G isn’t a downgrade. For the right retiree, it’s the same protection at a lower carrying cost, as long as the math actually works out.

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Compare Standard vs. High-Deductible Plan G

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