High Deductible G Economics
High-Deductible Plan G is a self-insurance bet: bank 40–60% premium savings, accept up to $2,870 (2025) of exposure per year — the math works until it spectacularly does not.
| Scenario (3-year horizon) | Standard G | HD-G |
|---|---|---|
| Premium (3 yrs, $140 vs $65/mo) | $5,040 | $2,340 |
| Deductible paid (healthy years) | $0 | $0 |
| Deductible paid (one bad year) | $0 | $2,870 |
| Worst-case 3-yr total | $5,040 | $5,210 |
| Best-case 3-yr total | $5,040 | $2,340 |
When HD-G wins
Three or more consecutive low-utilization years create a $2,000+ cumulative advantage — and the plan is identical to standard G the moment the deductible clears. The product suits healthy 65–70s with liquid savings; the full decision tree is in the HD-G plan file.
When it loses
Chronic-condition applicants burn the deductible every year — pure loss versus standard G — and switching back later re-triggers underwriting exactly when health has worsened. Also compare Plan L, which caps exposure at $3,610 without a deductible reset.
FAQ
Is the HD-G deductible per year?
Yes — it resets every January, so exposure recurs annually.
Does HD-G have the same network as G?
Medigap has no networks — identical freedom in both variants.
Related reading: HD-G plan file · Plan L · Rate files