High-deductible Medicare Supplement Plan G in Washington

How the deductible works

You pay Medicare-covered costs yourself until your out-of-pocket spending reaches the plan deductible, $2,950 in 2026. After that, the plan pays everything Plan G pays for the rest of the calendar year. The deductible resets every January and is set by federal formula each year.

Your Part B deductible payments count toward the $2,950. So do the Part A hospital deductible and the 20% coinsurance you pay along the way.

The worst-case math

The most a high-deductible Plan G policyholder pays in a year for Medicare-covered care is the deductible plus 12 months of premium. Compare that worst case against 12 months of regular Plan G premium plus the $283 Part B deductible. If the gap between the two is small, the high-deductible version gives up little. The tables below let you run that comparison with real Washington premiums.

Who it fits

• People who rarely need care and could pay $2,950 from savings in a bad year without strain.
• People who want catastrophic protection at the lowest monthly cost.

Who it doesn't fit

Anyone who already expects regular specialist visits, infusions, therapy or surgery. You'd likely hit the deductible every year, and regular Plan G would cost less overall.

Washington switching note

Washington's switching rule lets you move from high-deductible Plan G to regular Plan G at any time with no health questions. Starting high-deductible and moving up if your health changes is a real option here.