High-Deductible Plan G Savings Calculator (2025)
Compare your potential yearly savings between standard Medicare Plan G and the High-Deductible Plan G option, based on your health expenses and location.
Quick Tip
High-Deductible Plan G is best for healthy individuals who rarely need medical care and want lower monthly premiums.
2025 Deductibles
Standard Plan G: $240 (Part B only)
HDG: $2,800 (all services)
Compares standard Plan G and High-Deductible Plan G (HDG) by modeling total annual costs, including premiums + deductibles, so users can see which option offers lower overall spending.
| Feature | Standard Plan G | High-Deductible Plan G |
|---|---|---|
| Available to new enrollees | ✅ Yes | ✅ Yes |
| Monthly Premium (Avg 2025) | $150 | $60–$75 |
| Annual Deductible (2025) | $240 | $2,800 |
| Out-of-Pocket Limit | None | $2,800 |
| Covers Excess Charges | ✅ | ✅ |
| Best For | Moderate use / predictable care | Healthy individuals |
HDG saves $700–$1,000 per year
Both plans cost roughly the same
Standard Plan G becomes more cost-effective
| Metric | 2025 Amount | Source |
|---|---|---|
| Part B Deductible | $240 | CMS 2025 |
| HDG Deductible | $2,800 | CMS 2025 |
| Avg Plan G Premium | $150 / month | Industry average |
| Avg HDG Premium | $70 / month | Industry average |
You rarely visit doctors or hospitals
Low medical utilization makes HDG cost-effective
You prefer low monthly premiums
Reduce fixed costs for better budget management
You can handle a $2,800 deductible in a bad year
Have emergency funds for unexpected medical costs
You're retiring early and need to minimize fixed costs
Lower premiums help stretch retirement savings
| Profile | Annual Bills | Plan G Total | HDG Total | Savings |
|---|---|---|---|---|
| Healthy Retiree | $500 | $2,300 | $1,380 | $920 |
| Moderate Usage | $2,000 | $2,400 | $2,780 | -$380 |
| High Usage | $5,000 | $2,800 | $4,580 | -$1,780 |
What's the deductible for HDG in 2025?
$2,800 (CMS announced figure).
Does HDG cover everything after the deductible?
Yes, it then functions like standard Plan G.
Can I switch from Plan G to HDG?
Yes, subject to medical underwriting in most states.
Is HDG available nationwide?
Yes, all states except Massachusetts, Minnesota, and Wisconsin.
What happens if I have high medical costs?
After paying the $2,800 deductible, HDG covers all Medicare-approved expenses like standard Plan G.
Are prescription drugs covered?
No, you need separate Medicare Part D coverage for prescription drugs with both plans.