Best Medicare Supplement Plans in New York 2026
We compared 15+ Medigap carriers in New York based on pricing, financial strength, and complaint records - including New York's unique community rating and guaranteed issue rules that let you switch plans any time of year.
Community Rating
NY LawNew York uses no-age-rated (community) pricing - your Medigap premium is the same regardless of your age, gender, or health status. A 65-year-old and an 85-year-old in the same region pay the same rate. Premiums vary by region, not by individual characteristics.
Guaranteed Issue Year-Round
NY LawNew York requires insurers to sell Medigap to any Medicare beneficiary at any time - no open enrollment window, no medical underwriting, no health questions. You can switch carriers or plans any month of the year. This is stronger than any birthday rule.
Over 465,000 people in New York have Medicare Supplement Insurance, or Medigap. Medigap plans help cover certain out-of-pocket expenses like copays, coinsurance, and deductibles left over after Medicare pays for covered services.
New York has some of the strongest consumer protections for Medigap enrollees in the country. Community rating means your premium is the same regardless of your age or health, and guaranteed issue year-round means you can switch plans or carriers at any time without medical underwriting. The tradeoff is that premiums in New York are significantly higher than most states - but you are never locked into a plan you cannot change.
Compare the Best Medicare Supplement Plans in New York
Our top-rated Medigap carriers in New York, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in New York City. Because New York uses community rating, these premiums are the same for all ages in the NYC region.
AARP/UnitedHealthcare
Plan G
$395/mo
Plan N
$290/mo
AM Best
A+
Plans
8 types
Mutual of Omaha
Plan G
$380/mo
Plan N
$275/mo
AM Best
A+
Plans
4 types
Anthem / Empire BlueCross BlueShield
Plan G
$420/mo
Plan N
$310/mo
AM Best
A
Plans
4 types
Humana
Plan G
$370/mo
Plan N
$264/mo
AM Best
A-
Plans
4 types
Transamerica
Plan G
$360/mo
Plan N
$260/mo
AM Best
A
Plans
4 types
Medicare Supplement Prices in New York
Sample monthly premiums from our top-scoring carriers. Rates shown are for a 65-year-old female nonsmoker in New York City and include available household discounts. Because New York uses community rating, these rates apply to all ages in the NYC region. Premiums vary by region - upstate NY rates are typically lower.
| Insurance Company | Plan G Monthly | Plan N Monthly | MedicareFAQ Score |
|---|---|---|---|
| AARP/UnitedHealthcare | $395 | $290 | 4.7 |
| Mutual of Omaha | $380 | $275 | 4.5 |
| Anthem / Empire BlueCross BlueShield | $420 | $310 | 4.3 |
| Humana | $370 | $264 | 4.1 |
| Transamerica | $360 | $260 | 3.9 |
Lowest available in New York (NYC region): Plan G from $362/mo | Plan N from $264/mo | Source: CMS Medicare Plan Finder, NY DFS May 2026 Rate Tables
Plan G vs. Plan N in New York
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in New York. Here is how they compare.
| Coverage Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,736) | Covered | Covered |
| Part B deductible ($283) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (NYC) | $395/mo | $285/mo |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission.
New York's guaranteed issue rule is the most powerful Medigap protection in the country. Unlike California's birthday rule (which only lets you switch to equal or lesser plans once a year), New York lets you switch Medigap carriers or plan types any month of the year - with no health questions and no medical underwriting. If you find a lower rate at a different carrier, you can switch immediately. The catch: because everyone is guaranteed coverage, New York premiums are significantly higher than most states. Shop rates regularly and switch when you find a better deal.
New York Medigap Rules You Should Know
Guaranteed Issue Year-Round
New York law requires all Medigap carriers to sell coverage to any Medicare beneficiary at any time, regardless of age or health status. There is no open enrollment window and no medical underwriting - ever. You can enroll in, switch, or change Medigap plans any month of the year. This is the strongest Medigap consumer protection in the country.
Community Rating (No-Age-Rated Pricing)
New York uses community rating, meaning Medigap premiums are the same for everyone in the same geographic region, regardless of age, gender, or health status. A 65-year-old and an 85-year-old pay the same monthly premium for the same plan in the same region. Premiums do vary by region - New York City rates are typically higher than upstate New York rates.
Coverage for Medicare Beneficiaries Under 65
Unlike most states, New York requires Medigap carriers to sell plans to Medicare beneficiaries under 65 who qualify for Medicare due to disability. In most states, people under 65 cannot purchase Medigap or face very high premiums. New York's law provides important protections for younger Medicare beneficiaries.
Regulated by the NY Department of Financial Services (DFS)
All Medigap plans in New York are regulated by the NY Department of Financial Services (DFS). DFS publishes official monthly rate tables for all licensed carriers at dfs.ny.gov, making it easy to compare exact premiums. New York also enforces a 30-day free-look period, allowing you to return a new policy for a full refund if you are not satisfied.
Why Are New York Premiums Higher?
New York's community rating and guaranteed issue rules result in significantly higher premiums than most states. Because insurers must accept everyone regardless of health and cannot charge more for older or sicker enrollees, they spread the risk across all policyholders. The tradeoff is that you are never locked into a plan you cannot change, and your premium will not increase simply because you age or develop a health condition.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength
AM Best rating and outlook stability. A++ carriers score highest.
Pricing Competitiveness
Plan G and Plan N premiums compared to the New York state average for a 65-year-old in the NYC region.
Plan Availability
Number of standardized Medigap plan letters offered in New York.
Consumer Satisfaction
NAIC complaint ratio relative to market share and customer review sentiment.
Discounts & Value
Household, loyalty, payment mode, and other available premium discounts.
Last updated: February 2026 | Data sources: CMS Medicare Plan Finder, AM Best, NAIC Complaint Database, NerdWallet, NY DFS May 2026 Rate Tables
Frequently Asked Questions
Find the Best Medigap Rate in Your New York Region
Medigap premiums vary by region in New York. Enter your ZIP code to see exact rates from all available carriers in your area - and remember, in New York you can switch plans any time of year if you find a better rate.