Is there a high-deductible version of Medigap Plan G?

High-deductible Plan G is a version of the standardized Medigap Plan G (Medicare Supplement, private coverage that pairs with Original Medicare) that charges a lower monthly premium in exchange for you paying a yearly deductible before the policy starts covering the gaps. In 2026, that high-deductible amount is $2,950. Once your out-of-pocket spending on covered services reaches $2,950 for the year, high-deductible Plan G then pays the same gaps that regular Plan G covers, such as Part A and Part B coinsurance and Part B excess charges. The trade-off is straightforward: you accept more upfront cost in a year you use a lot of care, in return for a lower premium every month. Whether the lower premium outweighs the deductible depends on how much care you expect to use and your budget. Like standard Plan G, it does not include drug coverage, so you would add a separate Part D plan.