Medicare Supplement Cost in New York
2026 Medigap Plan G, N & F rates for New York residents — age 65+
Non-tobacco rates. Tobacco users pay 10–20% more. Part B premium ($185/mo in 2026) is separate.
New York Medigap Premium Calculator
Medigap Plan Comparison — New York 2026
Age 65, non-tobacco. Annual Part B premium ($185/mo) is additional and the same for all plans.
| Plan | What It Covers | Monthly | Annual |
|---|---|---|---|
| Plan G | Most popular — covers all except Part B deductible | $195/mo | $2,340/yr |
| Plan N | Lower premium — $20 office copay, $50 ER copay | $155/mo | $1,860/yr |
| High-Ded. Plan G | $2,800 deductible before coverage; very low premium | $55/mo | $655/yr |
| Plan K | 50% cost-share; lower premium, higher out-of-pocket | $88/mo | $1,053/yr |
| Plan L | 75% cost-share; moderate premium | $117/mo | $1,404/yr |
| Plan F (grandfathered) | Full coverage incl. Part B deductible — not for new enrollees after 2020 | $230/mo | $2,761/yr |
Medicare Supplement in New York: Key Facts
New York has year-round guaranteed issue for Medicare Supplement plans — insurers cannot deny coverage or charge more based on health at any time of year. This is a major consumer protection not available in most states, but NY's higher costs and regulations mean premiums run 20–35% above the national average.
Buying Tips for New York
New York's guaranteed issue is rare and valuable — even if you missed your initial open enrollment window, you can still get coverage here. Compare 5+ carriers as NY-specific premiums vary significantly. AARP/UnitedHealthcare, Cigna, and Humana are major NY Medigap providers.
Plan G Premium by Age in New York
Attained-age pricing (most common): premiums increase as you age. Community-rated plans (MA, NY, CT) do not increase with age.
Compare Medicare Supplement Plans in New York
Medigap coverage is federally standardized — Plan G is Plan G everywhere. The ONLY difference between carriers is price and service. Compare all New York carriers to find the lowest rate for identical coverage.
Frequently Asked Questions
How much does Medicare Supplement insurance cost in New York?
Medicare Supplement Plan G in New York costs approximately $195/month for a 65-year-old non-tobacco user. Plan N averages $155/month. Rates increase with age — at 75, expect $$289/month for Plan G. This is your Medigap premium only; the standard Part B premium ($185/month in 2026) is a separate federal charge.
What is the best Medicare Supplement plan in New York?
Plan G is the most popular and generally the best Medigap plan for new Medicare enrollees in New York. It covers everything except the Part B deductible ($240 in 2026), giving you predictable costs year-round. Plan N is an excellent alternative if you're healthy and comfortable with $20 office visit copays — it costs 15–20% less. High-Deductible Plan G offers the lowest premium (~$55/month) but requires paying a $2,800 deductible before benefits kick in — best for very healthy seniors.
When can I enroll in Medicare Supplement in New York?
New York: Year-round guaranteed issue (NY law). Community-rated pricing required by law — everyone pays the same rate regardless of age
Is Medicare Supplement or Medicare Advantage better for New York residents?
Medicare Supplement works with Original Medicare — giving you access to any doctor or hospital that accepts Medicare nationwide with predictable costs. Medicare Advantage (Part C) often has $0 premium but uses HMO/PPO networks and has out-of-pocket maximums of $4,000–$8,300/year. Supplement is better for: those with frequent health needs, travelers, people who want any doctor/hospital. Advantage is better for: healthy seniors in strong-network areas who want low monthly costs and don't mind network restrictions.
New York Medigap Rates
- Plan G (age 65)
- $195/mo
- Plan N (age 65)
- $155/mo
- HD Plan G (age 65)
- $55/mo
- Plan G (age 75)
- $289/mo
- + Part B premium
- +$185/mo
Compare by State
Plan G, age 65, non-tobacco