Medicare Supplement Plan HD-G — Complete 2026 Guide
High-Deductible Plan G has the same coverage as standard Plan G but requires you to pay all Medicare cost-sharing out of pocket until you reach the annual deductible ($2,870 in 2026). After meeting that deductible, the plan covers all costs that standard Plan G would cover. Monthly premiums for HD Plan G are significantly lower than standard Plan G — typically $30 to $80 per month.
What Plan HD-G Covers
Below is the complete coverage table for Plan HD-G. This is the federally standardized benefit chart — every insurer selling Plan HD-G must provide these exact benefits.
| Medicare Cost | Plan HD-G Covers? | Notes |
|---|---|---|
| Part A coinsurance & hospital costs (up to 365 days after Medicare) | Covered | After $2,870 annual deductible met (2026) |
| Part A deductible ($1,676 in 2026) | Covered | After annual deductible met |
| Part A hospice care coinsurance or copayment | Covered | — |
| Part B coinsurance or copayment (20% of outpatient costs) | Covered | After annual deductible met |
| Part B deductible ($257 in 2026) | Not Covered | — |
| Part B excess charges (above Medicare-approved amount) | Covered | After annual deductible met |
| Skilled nursing facility care coinsurance | Covered | After annual deductible met |
| Foreign travel emergency coverage (up to plan limits) | Covered | — |
Source: CMS standardized Medigap benefit chart. CMS Publication 02110.
Who Should Choose Plan HD-G?
Healthy beneficiaries who rarely need medical care and prefer lower monthly premiums while retaining catastrophic protection.
Average Plan HD-G Premiums by State (2026)
Premiums for Plan HD-G vary significantly by state due to differences in rating laws, local healthcare costs, and insurer competition. The table below shows estimates for a 65-year-old non-smoking female. Your actual premium will depend on your age, gender, tobacco use, and the specific insurer you choose.
Always get multiple quotes before choosing an insurer. Use the official Medicare Plan Finder or a licensed broker who represents multiple companies.
| State | Est. Monthly Premium (Age 65) | Rating Method | Special Protections |
|---|---|---|---|
| California | ~$165/mo | community | ✓ Birthday Rule ✓ Community Rated |
| Florida | ~$175/mo | attained age | Federal standard |
| Texas | ~$138/mo | attained age | Federal standard |
| New York | ~$260/mo | community | ✓ Community Rated |
| Pennsylvania | ~$152/mo | attained age | Federal standard |
| Ohio | ~$124/mo | attained age | Federal standard |
| Illinois | ~$140/mo | attained age | Federal standard |
| North Carolina | ~$132/mo | attained age | Federal standard |
| Michigan | ~$132/mo | attained age | Federal standard |
| Georgia | ~$125/mo | attained age | Federal standard |
* Estimates based on Medicare.gov plan finder data sampling, April 2026. Premiums vary by insurer, age, gender, and tobacco use. Verify current rates at Medicare.gov.
How Plan HD-G Compares to Other Plans
The right Medigap plan depends on your health, how often you use medical services, and how much premium you're comfortable paying. Here are the key comparisons for Plan HD-G:
Compare all Medicare Supplement plans side by side to understand how Plan HD-G fits within the full range of options.
How to Enroll in Plan HD-G
You can enroll in a Medicare Supplement plan through any private insurance company that sells Medigap plans in your state. Here's the process:
- Confirm eligibility: You must be enrolled in Medicare Parts A and B. Most people are first eligible at age 65.
- Enroll during your Open Enrollment Period: Your 6-month OEP begins when you're both 65 and enrolled in Part B. During this window, you have guaranteed issue rights — insurers cannot deny you coverage or charge more based on your health.
- Get quotes from multiple insurers: Because benefits are standardized, the only variable is the premium. Use Medicare.gov or a licensed broker.
- Complete the application: Outside your OEP, insurers can require medical underwriting in most states (exceptions: CA, NY, NJ, OR, FL birthday rules; MA, WI, MN unique rules).
- Pair with a Part D plan: Medigap does not cover prescription drugs. You'll need a separate Part D plan for drug coverage.
Frequently Asked Questions
What is the 2026 deductible for High-Deductible Plan G?
The deductible for High-Deductible Plan G is $2,870 in 2026. This amount is set by CMS annually and adjusts each year based on the national Medicare per capita expenditure.
Is HD Plan G worth it?
HD Plan G can be worth it if you are in good health and your premium savings exceed your likely out-of-pocket costs. For example, if standard Plan G costs $150/month and HD Plan G costs $50/month, you save $1,200/year in premiums — and only lose if your healthcare costs exceed $2,870 that year.
This site provides general information about Medicare Supplement insurance and medical alert devices. It is not affiliated with or endorsed by the Centers for Medicare & Medicaid Services (CMS) or any government agency. This is not medical or insurance advice. Always consult a licensed insurance professional for personalized guidance.
Medicare rules, premiums, and plan availability change annually. Always verify current information with Medicare.gov, your State Insurance Department, or a licensed insurance advisor. For free, unbiased help, contact your State Health Insurance Assistance Program (SHIP) at shiphelp.org.
Sources
- Centers for Medicare & Medicaid Services. Medicare Supplement Insurance (Medigap). medicare.gov. Retrieved June 2026.
- CMS. Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare. Publication 02110. cms.gov. Retrieved June 2026.
- CMS. 2026 Medicare Parts A & B Premiums and Deductibles. cms.gov. Retrieved June 2026.