This course will be LIVE on: Thursday, March 19, 2026, 2:00 PM – 3:00 PM EDT.

Attend the upcoming LIVE WEBINAR without the need to take the online quiz to receive CE! If you miss the webinar you will be able to take the online recorded course 10-14 days after the live event to receive 1 hr CFP®, CRC®, and other Continuing Education Credit when you pass the online quiz. 

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 Medicare Advantage vs. Medigap: Which plan is right for your clients?" by Cameron Giardini, you will:

1. Analyze the updated 2026 Medicare deductibles and premium data that directly impact Medigap plan selection and client out-of-pocket costs;
2. 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;
3. Understand how High Deductible Plan G works under Original Medicare, including real-world cost scenarios for Part B services and inpatient hospital stays;
4. 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;
5. Identify which client health profiles and risk tolerances are best suited for each Medigap approach to make more personalized, defensible recommendations. 

Your presenter is Cameron Giardini, Co-owner Giardini Medicare.