Best Medicare Supplement Plans in New York (2026)

AARP is the best Medicare Supplement insurer in New York for most enrollees. Its Plan G costs $325 per month, $158 below the state average of $483, and it prices below the state average on six other plan types. Among the seven carriers we reviewed, no other insurer prices below the state average on more than two plan types.

For Plan C, EmblemHealth’s rate is lower than every other carrier in our analysis and $90 below the state average. For Plan D and Plan M, Transamerica is the only carrier in New York offering both plans, with the lowest rates on each.

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*Prices are for 65-year-olds.

Plan G covers the widest range of Medicare out-of-pocket costs for new enrollees and includes hospital stays, doctor coinsurance (the portion Medicare doesn't pay), copays and foreign travel emergency care. The one cost it leaves is the annual Part B deductible, $283 in 2026.

Plan G is New York's most popular Medigap plan for new enrollees and the widest-coverage option federal law currently allows them. Because every carrier sells identical Plan G coverage, the $448 monthly price difference between the cheapest and most expensive carrier means you pay more for the same benefits with a higher-priced insurer. Check each carrier's AM Best rating at ambest.com before enrolling.

Plan N covers the same Medicare gaps as Plan G but adds copays of up to $20 per doctor visit and $50 per emergency room visit in exchange for a lower monthly premium. At state average rates, Plan N costs $116 less per month than Plan G.

Plan N has higher enrollment in New York than in most states because it costs less overall for enrollees who see a doctor fewer than 69 times a year. Verify your insurer's AM Best rating at ambest.com before enrolling.

Plan F covers every Medicare gap and also includes the annual Part B deductible of $283 that Plan G leaves unpaid. Before federal law closed it to new enrollees in 2020, Plan F led New York Medigap enrollment. For those who enrolled in Medicare after that date, Plan G is the closest available option.

Among the 10 Medigap plan types, Plan F has the widest price range between carriers. The $448 monthly difference between the cheapest and most expensive carriers adds up to $5,376 per year for the same federally standardized coverage. Review each carrier's AM Best rating at ambest.com before enrolling.

Plan selection is the main driver of Medigap costs in New York. Plan G costs an average of $321 more per month than Plan K because it covers more of your Medicare bill. Plan K covers 50% of most Medicare cost-sharing. Plan G covers nearly everything except the annual Part B deductible of $283.

Community rating in New York means your age doesn't affect your premium. Every carrier charges the same rate for a given plan whether you're 65 or 80. Within any plan type, price is the only variable that distinguishes one carrier from another. Benefits are identical regardless of which insurer you pick.

Filter by plan letter, age or high-deductible status to compare rates from every carrier in New York. High-deductible plan versions have lower monthly premiums. You pay a set annual deductible before coverage begins. Your age selection filters the comparison to your exact rate.

Plan G rates in New York vary by as much as $448 per month between carriers for the same coverage. The six steps below help you choose a plan type and a carrier based on how you use health care.

We reviewed every Medigap carrier selling plans in New York. AARP, EmblemHealth and Transamerica earned top scores based on monthly premiums, plan selection and financial strength. Each review explains where each carrier leads and where it falls short.

New York and federal agencies provide three free resources to help residents choose and manage Medigap coverage.

• New York State Health Insurance Information, Counseling and Assistance Program (HIICAP): Provides free, one-on-one counseling for New York residents comparing Medigap options. Counselors are certified volunteers with no financial stake in your enrollment. They can walk you through plan options, costs and enrollment steps. Access through aging.ny.gov.
• New York State Department of Financial Services: The DFS publishes an annual guide showing premiums from every licensed Medigap insurer in New York. If you get a bill that looks wrong or have a dispute with your insurer, the DFS consumer helpline processes those complaints and can intervene on your behalf. Access at dfs.ny.gov.
• Medicare.gov: The plan finder tool at Medicare.gov lets you enter your ZIP code and compare every Medigap, Medicare Advantage and Part D drug plan available in your area. Premiums and coverage details appear side by side.

We scored seven New York Medigap carriers across three categories using data from Medicare.gov's plan browsing tool for 65-year-olds and 75-year-olds. All rates shown are for 65-year-olds unless a section specifies otherwise. The scoring produces a weighted total out of five.

• Affordability (50%): Premium carries the most weight because New York standardizes plan benefits. Any two carriers selling Plan G offer identical coverage, so their premiums are the only meaningful difference. Lower premiums earn higher scores.
• Pricing style (20%): New York law requires community rating, so no carrier can raise your premium because you get older. Every carrier scores equally on this dimension. We include it because most states don't require community rating.
• Plan availability (30%): Insurers offering more plan types score higher. Plans G, F and N receive more weight in the scoring because they cover the largest share of New York Medigap enrollees.