As Medigap premiums continue to rise at historically aggressive rates — with Plan G averaging 9% annual increases and Plan N at 7.5% — advisors and their clients face a growing affordability crisis that threatens long-term coverage sustainability.
Many advisors default to recommending Plan G or Plan N without discussing the compounding cost impact over 10–20 years, leaving clients locked into plans with escalating premiums they may not be able to afford in retirement. This can erode client trust, lead to coverage lapses, and create situations where clients feel their advisor failed to present all viable options.
This session will equip advisors with updated 2026 Medicare numbers, real-world premium trend data, and a lesser-known strategy — the High Deductible Plan G Combo — that pairs lower-premium Medigap coverage with targeted ancillary insurance products to provide financial protection without the runaway premium increases.
In "High Deductible Plan G + Combo Strategy: A Smarter Medigap Approach for 2026" by Cameron Giardini, you will:
- nalyze the updated 2026 Medicare deductibles and premium data that directly impact Medigap plan selection and client out-of-pocket costs;
- Compare long-term premium increase trends for Plan G (~9%/yr), Plan N (~7.5%/yr), and High Deductible Plan G (~4%/yr) using national and state-level actuarial data;
- Understand how High Deductible Plan G works under Original Medicare, including real-world cost scenarios for Part B services and inpatient hospital stays;
- Evaluate the HDG Combo strategy — pairing High Deductible Plan G with hospital indemnity, cancer, and heart/stroke insurance — as a cost-effective alternative for appropriate client profiles;
- Identify which client health profiles and risk tolerances are best suited for each Medigap approach to make more personalized, defensible recommendations.
This on-demand webinar is a recording of a recent live webinar. Check our WEEKLY REBROADCAST SCHEDULE where there is no need to take the online quiz to receive CE. You may also take this on-demand course any time for 1 hr CFP®, CRC®, and other Continuing Education Credit when you pass the online quiz.
Your presenter is Cameron Giardini, Giardini Medicare.
Meet Cameron Giardini Medicare, Medicare Advantage and Medigap Expert
Retirement planning experience
Cameron Giardini is co-owner of Giardini Medicare, a family-owned independent Medicare insurance agency based in southeast Michigan that serves clients virtually across 24 states. After spending years as a licensed Medicare agent working directly with beneficiaries, Cameron now co-runs the agency and serves as its head of research and education — analyzing rate increase data, tracking regulatory changes, and translating complex Medicare details into actionable knowledge for both his team and the public.
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