Florida Blue High-Deductible Plan G Overview

What Is Florida Blue High-Deductible Plan G?

Florida Blue High-Deductible Plan G is a Medicare Supplement plan for Florida residents who want lower monthly premiums while still covering many of the costs Original Medicare leaves behind.

It's available to eligible people enrolled in Medicare Parts A and B.

It offers the same standardized benefits as traditional Plan G, but you pay an annual deductible before the plan begins paying supplemental benefits.

That deductible is $2,950 in 2026 and $3,050 in 2027.

Source: CMS, Medigap high-deductible plan deductible announcements.

Original Medicare continues to pay its share of covered services while you work toward the deductible.

The deductible is met by the Medicare-covered cost-sharing you pay, such as the Part B deductible and coinsurance, not by the full cost of your care.

It isn't an extra $3,050 on top of a separate Part B deductible, because Part B deductible spending counts toward it.

Florida Blue High-Deductible Plan G doesn't use a separate provider network, so you can see any doctor or hospital nationwide that accepts Medicare.

If you're unfamiliar with how the deductible works, read our complete guide to High-Deductible Plan G in Florida.

How Much Does Florida Blue High-Deductible Plan G Cost?

Premiums vary based on your age when you enroll, where you live in Florida, tobacco use, and any applicable discounts.

Florida Blue's published rates are based on issue age, meaning your age when you first buy the policy helps set your starting premium.

Your premium doesn't increase automatically just because you get older, but Florida Blue can still adjust rates over time.

For a 65-year-old, Florida Blue's published High-Deductible Plan G rates start at $68.40 per month in its lowest-priced area.

Premiums are higher in South Florida, where a 65-year-old in Miami-Dade, Broward, or Palm Beach County pays $96.20 per month.

Florida Blue High-Deductible Plan G Rates by County and Age

Why Rates Vary by Location and Age

Area 1, which covers Miami-Dade, Broward, and Palm Beach counties, has the highest published rates.

Area 2 includes Hillsborough (Tampa), Orange (Orlando), Duval (Jacksonville), Collier (Naples), and Sarasota counties.

Area 3 includes Marion (Ocala) and Leon (Tallahassee) counties.

For a 65-year-old, that's a $27.80 monthly difference, or $333.60 a year, between Area 1 and Area 3 for the same standardized benefits.

Your enrollment age also affects your starting premium. In Area 2, the published rate is $71.80 at age 65, $101.30 at ages 70–71, and $143.40 at ages 75–79.

Because Florida Blue's High-Deductible Plan G is newly introduced, there isn't an established rate history for this specific product.

Even with a history, past increases would provide context but wouldn't guarantee future pricing.

To see whether Florida Blue is competitive where you live, compare its rates with other High-Deductible Plan G insurers. Our guide to the Best Medicare Supplement Plan G Companies in Florida is a good starting point.

Florida Blue High-Deductible Plan G vs. Regular Plan G

Florida Blue offers both traditional Plan G and High-Deductible Plan G, and both provide the same standardized Medigap benefits.

The main differences are the monthly premium and how much you pay before benefits begin.

Traditional Plan G has a higher premium but covers most Medicare-approved out-of-pocket costs after you pay the annual Medicare Part B deductible.

High-Deductible Plan G has a much lower premium, but you must meet a $3,050 deductible in 2027 before the plan begins paying.

Both plans let you see any doctor or hospital nationwide that accepts Medicare.

Here's how the two plans' monthly premiums compare for a 65-year-old in each pricing area.

Source: Florida Blue BlueMedicare Supplement rate schedule, issue age 65. Your actual premium may differ based on tobacco use and applicable discounts.

How Much Could You Save?

Based on these rates, a 65-year-old in Tampa (Area 2) could save $222.50 per month, or $2,670.00 per year, by choosing High-Deductible Plan G instead of regular Plan G.

Those savings come with more out-of-pocket exposure, since you pay up to the deductible before the plan pays.

Someone who uses few medical services may find the lower premiums outweigh the extra cost-sharing.

Traditional Plan G may suit you better if you prefer predictable healthcare costs and don't want to meet a large deductible.

For more on traditional coverage, see our Medicare Supplement Plan G in Florida guide.

Advantages and Disadvantages of Florida Blue High-Deductible Plan G

Florida Blue's High-Deductible Plan G has clear advantages for people who want lower monthly premiums from an established insurer, along with a few drawbacks to weigh before enrolling.

Advantages

• Lower monthly premiums: published rates start at $68.40 per month for a 65-year-old in Florida Blue's lowest-priced area.
• Established Florida insurer: Florida Blue has a long history serving Florida residents.
• Issue-age rates: published rates are based on your age when you buy the policy, rather than rising automatically with each birthday.

Disadvantages

• Higher out-of-pocket costs: you pay the $3,050 annual deductible in 2027 before supplemental benefits begin.
• Limited rate history: because the plan is newly introduced, there isn't enough product-specific history to evaluate long-term premium increases.
• Medical underwriting: depending on when you apply, you may need to answer health questions and qualify medically.

Overall, the plan may appeal to people looking for lower premiums, but it's important to weigh both the monthly savings and the potential out-of-pocket expenses.

Is Florida Blue High-Deductible Plan G Worth It?

It depends on how much medical care you expect to use, because the lower premium comes with a deductible you may have to meet.

An Illustrative Annual Cost Comparison

Here's how a year could look for a 65-year-old in Tampa (Area 2) if you reach the full High-Deductible Plan G deductible.

Illustrative only. Based on Florida Blue's published rates for issue age 65 in Hillsborough County (Area 2) and the $3,050 deductible for 2027. Your actual costs depend on the care you use, and Part B premiums and other costs are excluded.

In a year you reach the full deductible, High-Deductible Plan G could cost about $380.00 more than regular Plan G premiums alone, before counting the Part B deductible you'd pay under regular Plan G.

In a year with few medical costs, the premium savings could be much larger than the extra cost-sharing you pay.

So the real question is how much care you expect to use, and whether you could comfortably pay the deductible in a bad year.

Florida Blue High-Deductible Plan G may be a good fit if you:

• Want to keep your monthly insurance premiums low
• Have enough savings to comfortably cover the annual deductible
• Don't mind paying more out of pocket when you need medical care

Regular Plan G or another insurer may be better if you:

• Prefer more predictable healthcare expenses
• Don't want to manage a large annual deductible
• Can find comparable High-Deductible Plan G coverage at a lower premium elsewhere

For a broader look at the company's lineup, see our Florida Blue Medicare Supplement review.

How to Enroll in Florida Blue High-Deductible Plan G

Start by confirming the plan is available in your ZIP code and reviewing the premium for your age and desired coverage effective date.

Before applying, compare Florida Blue's rates with other insurers offering High-Deductible Plan G in your area.

Your timing also affects your eligibility. Your six-month Medigap Open Enrollment Period generally begins when you're 65 or older and enrolled in Medicare Part B.

During that period, you can buy an available Medicare Supplement plan without answering health questions.

Outside that period, Florida Blue may require medical underwriting unless you qualify for a guaranteed-issue right.

If you already have a Medicare Supplement policy, review the new plan's premium and coverage terms before making a change.

Don't cancel your existing coverage until your new policy is approved and its effective date is confirmed.

For more on enrollment rules, read our Florida Medigap Open Enrollment Guide.

Frequently Asked Questions About Florida Blue High-Deductible Plan G

Does Florida Blue offer High-Deductible Plan G in Florida?

Yes. Florida Blue has introduced High-Deductible Plan G as part of its Medicare Supplement lineup, and its published rate schedule lists premiums across three Florida pricing areas.

Confirm availability and eligibility for your ZIP code and desired effective date before applying.

How much is Florida Blue High-Deductible Plan G per month?

For a 65-year-old, Florida Blue's published rate starts at $68.40 per month in Area 3, which includes Ocala and Tallahassee.

The same coverage costs $71.80 in Area 2, which includes Tampa and Orlando, and $96.20 in Area 1, which includes Miami, and your actual premium depends on your age, location, tobacco use, and applicable discounts.

Is Florida Blue High-Deductible Plan G better than regular Plan G?

It depends on your budget and healthcare needs. High-Deductible Plan G has much lower monthly premiums but requires more out-of-pocket spending before supplemental benefits begin.

Regular Plan G costs more each month but provides more predictable coverage, so the better choice depends on whether you prioritize premium savings or lower financial exposure.

Bottom Line

Florida Blue's High-Deductible Plan G gives Florida Medicare beneficiaries another option for lowering their monthly Medicare Supplement premiums.

With published rates starting at $68.40 per month for a 65-year-old, it offers substantial premium savings compared with Florida Blue's traditional Plan G.

Lower premiums don't automatically make it the right choice, though. The decision comes down to how comfortable you are with the higher deductible and whether Florida Blue's pricing compares well with other insurers.