Monthly premiums vary widely among New York insurers for identical Medigap benefits. AARP charges $325 for Plan G, $260 for Plan N and $392 for Plan F, the lowest rates available to 65-year-olds. EmblemHealth leads Plan C pricing at $356 monthly. Transamerica offers competitive rates on Plans D ($389) and M ($356). Premium differences between insurers can exceed $5,000 annually for the same coverage.
Best Medicare Supplement Plans in New York (2026)
Updated: January 30, 2026
Advertising & Editorial Disclosure
Key Takeaways
AARP offers the lowest Medicare Supplement rates in New York for several popular plans, including Plan G, Plan F and Plan N, while EmblemHealth leads on Plan C pricing.
Medicare Supplement plans in New York range from about $162 to $550 per month, depending on plan type, provider and pricing structure.
Compare quotes from multiple insurers and check plan availability, restrictions and benefits to find your best option.
Best Medicare Supplement Plans in New York
| AARP | A | $207 | $89 | Community Pricing |
| AARP | B | $301 | $107 | Community Pricing |
| EmblemHealth Services Company | C | $356 | $90 | Community Pricing |
| Transamerica | D | $389 | $66 | Community Pricing |
| AARP | F | $392 | $158 | Community Pricing |
| AARP | G | $325 | $158 | Community Pricing |
| AARP | K | $105 | $57 | Community Pricing |
| AARP | L | $214 | $67 | Community Pricing |
| Transamerica | M | $356 | $76 | Community Pricing |
| AARP | N | $260 | $107 | Community Pricing |
*Prices are for 65-year-olds.
AARP
MoneyGeek Rating
4.2/ 5
4.2/5Affordability
4.2/5Pricing Style
3.9/5Plan Availability
Average Plan G Rate
$325Plan Types
A, B, C, F, G, K, L, N
EmblemHealth
MoneyGeek Rating
4.2/ 5
4.8/5Affordability
3.9/5Pricing Style
3.2/5Plan Availability
Average Plan G Rate
$362Plan Types
A, B, C, F, G, N
Transamerica
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.6/5Pricing Style
4.4/5Plan Availability
Average Plan G Rate
$357Plan Types
A, B, C, D, F, G, K, L, M, N
Best Medicare Supplement Plan G in New York
A 65-year-old New Yorker choosing AARP's Plan G saves $1,896 annually compared to the state average. Seven insurers offer Plan G, with monthly costs between $325 and $773. Transamerica and EmblemHealth Services Company charge $357 and $362 respectively.
| AARP | $325 | $158 | $3,900 | $1,896 |
| Transamerica | $357 | $126 | $4,284 | $1,512 |
| EmblemHealth Services Company | $362 | $121 | $4,344 | $1,452 |
| Globe Life | $410 | $73 | $4,920 | $876 |
| Mutual of Omaha | $509 | $26 | $6,108 | $312 |
| Humana | $645 | $162 | $7,740 | $1,944 |
| Bankers Conseco | $773 | $290 | $9,276 | $3,480 |
Best Medicare Supplement Plan F in New York
Only Medicare beneficiaries enrolled before January 1, 2020 can purchase Plan F as CMS closed this plan to new enrollees. For those grandfathered in, New York rates range $392 to $840 monthly. AARP's $392 rate saves $1,896 annually against the average. Transamerica charges $426 while Globe Life costs $507 monthly.
| AARP | $392 | $158 | $4,704 | $1,896 |
| Transamerica | $426 | $124 | $5,112 | $1,488 |
| Globe Life | $507 | $43 | $6,084 | $516 |
| Mutual of Omaha | $514 | $36 | $6,168 | $432 |
| Humana | $538 | $12 | $6,456 | $144 |
| EmblemHealth Services Company | $636 | $86 | $7,632 | $1,032 |
| Bankers Conseco | $840 | $290 | $10,080 | $3,480 |
Best Medicare Supplement Plan N in New York
Plan N balances lower premiums against decent copays, up to $20 per doctor visit and up to $50 for emergency room care (waived if admitted). AARP charges $260 monthly, 29% below average. EmblemHealth Services Company follows at $264 while Transamerica costs $335.
| AARP | $260 | $107 | $3,120 | $1,284 |
| EmblemHealth Services Company | $264 | $103 | $3,168 | $1,236 |
| Transamerica | $335 | $32 | $4,020 | $384 |
| Globe Life | $402 | $36 | $4,824 | $432 |
| Humana | $457 | $91 | $5,484 | $1,092 |
| Bankers Conseco | $481 | $115 | $5,772 | $1,380 |
Personalized New York Medicare Supplement Plan Recommendations
Filter the table below by plan letter to view available Medicare Supplement options in New York. High-deductible versions of some plans cost less monthly while requiring you to pay a deductible before coverage begins.
Data filtered by:
A
Select
No
| AARP | A | No | 65 | $207 | $0 | Community Pricing |
| EmblemHealth Services Company | A | No | 65 | $214 | $0 | Community Pricing |
| Transamerica | A | No | 65 | $271 | $0 | Community Pricing |
| Globe Life | A | No | 65 | $299 | $0 | Community Pricing |
| Humana | A | No | 65 | $346 | $0 | Community Pricing |
| Mutual of Omaha | A | No | 65 | $350 | $0 | Community Pricing |
| Bankers Conseco | A | No | 65 | $386 | $0 | Community Pricing |
Medicare Supplement Plan Cost in New York
For 65-year-olds in New York, Medicare Supplement insurance costs average $388 monthly, from $162 to $550 across plan types. Plan K costs the least at $162 monthly while Plan F costs the most at $550. Annual costs range from $1,944 to $6,600 and your actual premium depends on provider, age and your insurer's pricing style.
| A | $296 | $3,552 |
| B | $408 | $4,896 |
| C | $446 | $5,352 |
| D | $455 | $5,460 |
| F | $550 | $6,600 |
| G | $483 | $5,796 |
| K | $162 | $1,944 |
| L | $281 | $3,372 |
| M | $432 | $5,184 |
| N | $367 | $4,404 |
How to Choose the Best Medicare Supplement Plan
Selecting a Medigap insurer requires more than comparing monthly premiums. Prices for identical coverage differ by hundreds of dollars monthly between New York insurers. Look for these key factors when comparing Medicare Supplement companies.
- 1Assess Your Health Care Needs
Do you travel frequently? How often do you see doctors? More coverage costs more monthly but saves you money when you need care. If you have ongoing medical conditions requiring regular treatment, higher monthly premiums cost less overall through lower out-of-pocket expenses.
- 2Compare Plan Types
Plan G offers the most coverage for new Medicare beneficiaries. Plan N provides similar benefits with lower premiums plus modest copays ($20 for doctor visits, $50 for emergency room). Plan F, available only if you enrolled in Medicare before 2020, covers all out-of-pocket costs. Plans K and L cost less monthly but require you to pay a percentage of costs until you hit an annual limit. Plans A, C and D cover basics with varying benefit levels. Plans B and M fill specific gaps between basic and comprehensive coverage.
- 3Get Quotes From Multiple Providers
Get quotes from at least three companies to ensure competitive rates. Insurers charge different rates for identical coverage.
- 4Check Pricing Style
Three pricing methods exist: Issue Age (locked at your enrollment age), Attained Age (rises as you age) and Community-Rated (same for everyone). Issue Age and Community-Rated plans save you money long-term.
- 5Check Company Ratings
Check AM Best ratings for financial stability and customer satisfaction scores for service quality. Cheaper premiums aren't worth it if your insurer delays claims or provides poor service.
- 6Enroll During Open Enrollment
Enroll during the six-month window starting when you turn 65 and sign up for Medicare Part B. You're guaranteed acceptance regardless of health conditions. Wait longer, and insurers may charge more or deny coverage.
New York Medicare Resources
For New York residents who need assistance selecting Medicare coverage or understanding your options, state and federal programs provide free help.
- New York State Health Insurance Information, Counseling and Assistance Program (HIICAP): Helps seniors understand Medicare, compare plans and avoid insurance fraud through free, confidential individual counseling. Certified volunteers offer unbiased guidance on Medicare Supplement plans, Medicare Advantage and Part D prescription drug coverage.
- New York State Department of Financial Services: This agency regulates insurance companies operating in New York. It publishes annual rate comparison guides showing premiums from all Medigap insurers. The consumer helpline handles questions about coverage disputes and billing problems. Staff investigate complaints against insurers and enforce New York insurance laws.
- New York State Office for the Aging: Serves elderly residents with information and programs, including assistance with Medicare enrollment and benefits counseling. They provide access to local community resources for seniors and caregivers throughout the state.
- Medicare.gov: The plan finder tool shows all Medigap, Medicare Advantage and Part D plans available in your ZIP code. Compare monthly premiums, coverage details and quality ratings side-by-side.
Medicare Supplement Plans in New York: FAQ
These frequently asked questions help explain how Medigap coverage works in New York.
When is Medicare Supplement open enrollment in New York?
Medicare Supplement open enrollment in New York begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.
What are the most popular Medicare Supplement plans?
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G offers comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is available only to those eligible before 2020. Plan N offers lower premiums with modest copayments ($20 for doctor visits, $50 for emergency room). Learn more about Medicare coverage.
Do you have to renew Medigap plans every year?
No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.
What's the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Supplement plans offer more provider flexibility. Advantage plans often include extras like dental and vision coverage.
Our Methodology
MoneyGeek collected New York Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.
We scored New York Medigap companies across three categories to create a weighted score out of 5:
- Affordability (50%): Lower monthly premiums earn higher scores.
- Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
- Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.