🚨 Plan N or High Deductible G for 2027? Here’s the one I’d pick, who it’s right for, and why your zip code can flip the answer.
📝 Get your own Plan N and High Deductible G prices for your zip code:
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🔗 LINKS MENTIONED IN THIS VIDEO:
The 5 most popular plans in my office for 2027 (0:10):
Don’t Drop Your Supplement Plan, the other ways around it (16:47):
High Deductible G with deductible protection in a real bad year, the video that’s next (19:25):
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🧠 IN THIS VIDEO: Chris puts the three supplements on the same car: Plan G is the near-zero-deductible policy, Plan N charges a small fee every time you take the car in (the door dings), and High Deductible G raises the deductible to cut the payment. He walks Ann through a real cataract bill, adds deductible protection (hospital indemnity) over High Deductible G, then runs her bad year in Tampa and again in Charlotte, where the same plans give the opposite answer. He covers how Medicare Supplement rate increases tend to run on each plan for 2027, why moving up in coverage later usually means health questions, then closes with his own pick, who High Deductible G is right for, and which driver you are.
⏱ CHAPTERS
0:00 Plan N or High Deductible G?
0:40 What’s the same: the car and the policy
1:05 Plan G: the near-zero-deductible policy
1:43 Plan N: a small fee every time you take the car in
4:00 High Deductible G: raise the deductible, cut the payment
6:26 A real bill: Ann’s cataract surgery
8:23 Deductible protection (hospital indemnity)
10:56 The bad year: Ann in Tampa
12:10 Same car, new zip code: Charlotte
13:41 Where rates go from here: supplement rate increases
16:01 Moving up in coverage later: health questions
16:52 New to Medicare: your first six months
17:04 What I’d pick for my own car
17:52 Which driver are you?
19:05 My help is free
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Quick recap: for most people today, I'd pick Plan N. It's the one that's hardest to regret. High Deductible G with deductible protection makes sense if the price difference where you live is big and you could handle about $3,000 in a bad year without it changing your life.
One thing to know before you pick: moving UP in coverage later (High Deductible G to N or G, or N to G) usually means passing health questions in most states. If you're in your first six months on Part B, you can pick any of them with no health questions. I explain it at 16:01.
Drop your state below and I'll tell you how it usually looks there. Want your actual numbers? Give me this real quick — it collects your zip, age, and then you can leave a note telling me what quote you want. I'll then send your Plan N and High Deductible G prices for you personally — or anything else you want to see, and we can chat if you like: https://app.retireflo.com/chrisconnell
Lincoln Espy age 74 zipcode 64151 current plan G current rate $227.55
65804 (married nonsmoking male).
32817 @ age 79
2 Things not mentioned The 210.00 taken out of your SS every month!=2,520.00 + whatever plan you pick! For me in Ca. The REAL cost of Med. Ins. with plan N is 4,500.00 a year! Another thing not talked about is that deductible is for a calendar year! Great if you get really sick in Jan. But what happens if its Nov.?? On High DG You would be looking north of 7,000.00 in the span of 2 months Not counting for the 2,520.00 that is already been taken out by SS!! You have good info here. I'm just trying to point out some things people might not have thought of !!
Im 77 plan g in 92620 thinking of switching to n however, ur hdg is intriguing. I have to relay video,thanks
I chose Plan N because I want the predictability of knowing what I'm paying out, and what I'm getting. I have no tolerance for surprises, nor do I have thousands of $ sitting around if there is a problem suddenly. I'm healthy but I can't get around the "surprise" factor. For me Plan N is $93 a month, doable for now. I have the option in my state to choose High-G within the company around my birthday which I would do if things got desperate.
My Plan N experience has been that only one doctor charged the $20 office copay (Dermatologist) but no one else has. My 2026 OOP will be $1,419 for all of the scan tests (colonoscopy, mammo, etc.) one trip to NowCare, 5 doctor's visits and Plan B deductible. That's $118.50 per month for complete coverage for anything that happens to me. Honestly, that affords me the best care I've ever had.
How do I find out in my zip code on high g or n?
I'm an 82-year-old female and have plan g and live in Connecticut, 06516. My cost for 2027 is going up to $389.28/month. Please tell me what my other options would be. Thank you.
I'd be interested in a side by side comparison for my Michigan zip code of 49099.
Plan HDG limits your MOOP expense to $3000 while preserving all the freedom of plan G.Most Medicare Advantages plans have about 10 grand MOOP.
Issue age G
I have a complicated scenario. I am 71 and still working. My wife is 74 and retired. We plan retirement for me next December. I turn 73 on january 2028. I will have Ky teachers retirement MEHP plan. We live in Maryland, 21044. The MEHP is a "passive" advantage plan. My wife is eligible, but we would pay 200+ and month for her to do MEHP. I think an N, G, or high deductible would be a better option. We do not start until Jsnuary 2028 at the earliest. I want to plan this well. We can handle all financial stress well.
Those excess charges with Plan N aren’t something I’m willing to gamble with. I’m choosing HDG. The max out of pocket is gonna be just fine with the ridiculously low premium since I haven’t been to see a doctor in years.
Signing up in Feb
Zip code 22309
Michigan 48178, Have to decide on a plan in January😅
Im in Arkansas 71909. I have plan N in 2026, r, and am considering High G for 2027.
California
Zip code 11413
zip code 33755
Ohio (44406). Please compare HDG and N plans. Thanks.
My zip code is 08759
Price difference in New Mexico?
I'm in Texas – zip code 75214. At age 71, I currently pay $128 for my Medigap Plan N. Btw, what about the new Innovative Plan G?
Kentucky, 40509
I'm still 23 months from Medicare age. But I've been up on Medicare videos for several years and think I am fairly well informed. To me, I'm thinking high-deductible G is the route I will go. It's not that N or G are unaffordable at age 65, but at 75? Being used to company medical plans, for 2027 i'll have an $8200 MOOP (single, no dependents) but preventative is covered, etc. So the "high-deductable" part the HD-G ~$3000 seems like a bargain, especially since Medicare pays the 80% first! (except part A). The way I see it, I can cover, from savings, bad years…But really, if i have consecutive bad years piling up, I probably will not have very many together before expiring. My thinking is I'd rather pay some when I need it rather than pay a lot every year just in case…But it is always an individual choice/preference, same as when to claim Soc Sec..
In upstate NY High G is a slam dunk. $200 -225 per month difference with N. With Globe life you also have a fee free RFA and it does complimentary hands off claims processing.
Before 2020 Plan F was the best, not available anymore than ideal Plan G now slowly increasing annually. Plan N is next to to rise in price in a few years. The government raises the price every year on healthcare may make unreasonable changes for us senior citizens living on a fixed income.
Great video! Enjoyed listening to you.
Michigan
Im leaning towards plan g but the cost appears considerable so plan g hd is something I’m thinking as well. I am in Illinois 60102
The HDG maximum out of pocket expense is is currently $2950, not the $3050 stated in this video. Also, paying the Part B deductible ($283 in 2026) counts toward meeting the MOOP expense of $2950.
Healthy 67.5 yr old male on a plan g with a healthy HSA in 92673. Looking for N or HDG options
IA
66221 new enrollee non smoker 65yo female considering HDG
I’m in NC and 75. My wife is 73. We have the HD G and started both of them last year. We also have a cancer policy – both – at 24 dollars a piece. We just received our rate for next year and both of ours went up 18%. We have another year before our deductible goes away. Currently, and of course it can change, we go to the doctor for checkups only. What are your thoughts? BTW, my rate goes to 155 and hers to 133.
What are you recommending to people that are 61 in Florida, starting Medicare in a few months because of disability SSDI? Don’t want advantage plans and can’t afford $700-1000/month for plan G. Is Plan GHD an available and logical choice and how much is it for my situation?
I’m in Arkansas (zip 72675) and debating between HDG and N. Can you give me pricing? Thank you!
NC
At 79 years old in Illinois. What’s your thoughts
Hi, I'm 72 female non smoking, found plan GHD for $48. I don't understand what is deductible protection. Zip code 85345. Thank you.
Thanks for this comparison! I'm in Colorado and no doctor visits except annual physical. I'll be enrolling a year from now and have been focused on N. I may switch my choice to HDG instead. Google says $45-$85/month – $2,950 out of pocket.
I moved from plan N when I got letter from UHC that my premium was increasing 35% on my anniversary. G-HD from BCBSNC $36 premium. I can handle a bad health year financially if need be. Homeowners insurance in my area crazy high rate increases. Raised my deductible to $5,000 and kept my premium more affordable. Wish I had done sooner. I view insurance now as coverage for the catastrophic type of events. As you mentioned, this results in rate stabilization. I'm in the position to financially take on the risk. Not everyone can do that.
I just switched from a Florida G-HD at $73 to a North Carolina Plan N at $116. It's worth it in my brain.