Episode 14 Block 1 Published
Plan G vs. Plan N vs. High Deductible G: Choosing the Right Medigap Plan
Watch on YouTube Plan G, Plan N, and High Deductible Plan G are the three most common Medigap choices for new Medicare enrollees. In this episode we run the real twenty twenty-six breakeven math to show which plan saves money at different levels of healthcare usage. We cover premium ranges, copay exposure, and how to project costs over twenty years. Watch the next video in the playlist for how to shop for a Medigap plan without getting steered by commission-driven agents. Source: CMS Medigap Shopper Guide, 2026.
▶ Watch next: Medigap Shopping: How to Avoid Getting Ripped Off by Commission Agents https://www.youtube.com/watch?v=CHVK_M1nkqI
📺 Full playlist: Medicare (US - 2026) https://www.youtube.com/playlist?list=PLlIAFxS29648I08akd—o7PeoOBzdOb2S
Chapters
Plan G is the most popular Medigap plan in twenty twenty-six, covering everything except the Part B deductible. Plan N costs less per month but adds copays of up to twenty dollars for doctor visits and up to fifty dollars for ER visits that do not result in admission. High Deductible Plan G has the lowest premium but requires you to pay two thousand nine hundred fifty dollars out of pocket before benefits kick in. This episode runs the math on each plan using real premium data, showing which plan wins at different levels of healthcare usage.
Key Topics
- Plan G coverage: after paying the two hundred eighty-three dollar Part B deductible, everything else (Part A deductible, hospital coinsurance, SNF coinsurance, Part B coinsurance, blood, foreign travel emergency) is covered at one hundred percent
- Plan G premiums in twenty twenty-six: typically one hundred forty to two hundred sixty dollars per month at age sixty-five depending on state and insurer
- Plan N coverage: similar to Plan G but with copays (up to twenty dollars for doctor visits, up to fifty dollars for ER visits not resulting in admission) and no coverage for Part B excess charges
- Plan N savings: typically nineteen to fifty dollars less per month than Plan G — two hundred twenty-eight to six hundred dollars per year in premium savings, offset by copays if you see the doctor frequently
- High Deductible Plan G: same benefits as Plan G but with a two thousand nine hundred fifty dollar annual deductible in twenty twenty-six — premiums as low as sixty-one dollars per month at age sixty-five, saving roughly one thousand nine hundred eight dollars per year in premiums versus standard Plan G
- The breakeven analysis: how many doctor visits and hospital events per year make Plan G worth the higher premium versus Plan N or High Deductible G
- Rate increases over time: Medigap premiums rise with age and medical inflation — a plan that is cheap at sixty-five may become expensive at eighty; ask insurers for their historical rate increase data