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Is high-deductible Plan G worth it in Washington?
By Vadim Marusin, licensed Medicare insurance agent in Washington (WAOIC #1365574). Insurer data checked against the state chart current as of October 8, 2026.
High-deductible Plan G costs a fraction of regular Plan G. The question is whether the worst year you could have with it is a year you can live with.
How to compare the two
With regular Plan G, the most you pay in a year for Medicare-covered care is the Part B deductible ($283 in 2026) plus premiums. With high-deductible Plan G, the most you pay is the plan deductible ($2,950 in 2026) plus premiums. In a year with little care, you pay far less with the high-deductible version.
| High-deductible G saves per month (hypothetical) | Saved per year | Extra you could owe in a bad year | Net in your worst year |
|---|---|---|---|
| $100 | $1,200 | $2,667 | $-1,467 |
| $150 | $1,800 | $2,667 | $-867 |
| $200 | $2,400 | $2,667 | $-267 |
| $250 | $3,000 | $2,667 | $333 |
| $300 | $3,600 | $2,667 | $933 |
If the high-deductible worst year is close to the regular Plan G worst year, you give up very little by choosing high-deductible, and you keep the saving in every healthy year. If it's much higher, you're betting on staying healthy.
A Washington advantage
You can move from high-deductible Plan G to regular Plan G at any time, with no health questions, under Washington's switching rule. Many people start with high-deductible G while healthy and move up when they expect more care.