Plan Hd G High Deductible
High-Deductible Plan G is full Plan G coverage with a large annual deductible you pay first — 2025 deductible: $2,870 — after which the plan pays everything G pays.
| Feature | HD Plan G |
|---|---|
| Annual deductible (2025) | $2,870 |
| After deductible | Identical to standard Plan G |
| Premium vs standard G | Often 40–60% lower |
| Who it suits | Healthy 65–70s, savings cushion, low utilization |
| Deductible reset | Each calendar year |
The break-even math
HD-G wins when your healthcare spending stays under the deductible for several consecutive years: the premium savings accumulate while the deductible never triggers. One bad year costs at most $2,870 extra — the maximum annual penalty versus standard G. The HD-G economics file runs three-year and ten-year simulations.
The trap to avoid
HD-G punishes switching back: downgrading later subjects you to underwriting again (see switching rules), and a new diagnosis at 70 can make standard G unaffordable or unobtainable. Choose HD-G only with a genuine savings cushion and no planned major procedures.
FAQ
Does the HD-G deductible include the Part B deductible?
Yes — the $2,870 annual deductible incorporates the Part B deductible, unlike standard G where they are separate.
Can I use HSA money with HD-G?
Medicare premiums and Medigap premiums are not HSA-eligible; only pre-65 HDHPs build HSA balances.
Related reading: HD-G economics · All plans · Switching rules