Best Medicare Supplement Plans in New York (2026)

AARP charges $325 for Plan G, $260 for Plan N and $392 for Plan F, the lowest rates in the state for those plans. EmblemHealth leads Plan C at $356 monthly. Transamerica prices Plan D at $389 and Plan M at $356, the lowest rates in the state for both. 

Monthly premiums vary widely among New York insurers for identical Medigap benefits. MoneyGeek's analysis of 65-year-old rates across New York Medigap providers found premium spreads exceeding $400 per month for Plans G and F among carriers covering identical standardized benefits. Three of seven Plan G providers and three of six Plan N providers charge more than the state average, not less.

*Prices are for 65-year-olds.

The biggest rate gap in the lead table is on Plan F: AARP at $392 and Bankers Conseco at $840 cover identical benefits. That $448 monthly difference amounts to $5,376 per year for the same coverage. Plan type and provider selection matter more in New York than in most states.

AARP's Plan G pays $325 monthly for a 65 year old, $1,896 less per year than the $483 state average. Seven insurers offer Plan G in New York, with monthly costs ranging from $325 to $773. Transamerica charges $357 and EmblemHealth charges $362.

The gap between AARP and Bankers Conseco on Plan G is $448 monthly or $5,376 per year, for identical coverage. Four of the seven insurers beat the state average. The three above-average providers, Mutual of Omaha, Humana and Bankers Conseco, cost more than the state average, not less.

EmblemHealth and Bankers Conseco both price Plan F above the state average: EmblemHealth at $636 ($86 above average) and Bankers Conseco at $840 ($290 above average). For the lowest Plan F rate, AARP comes in $34 below Transamerica.

Only beneficiaries enrolled in Medicare before January 1, 2020 can purchase Plan F. CMS closed the plan to new enrollees on that date. For grandfathered buyers, New York rates run from $392 to $840 monthly. AARP's $392 rate is $158 below the $550 state average. The annual gap is $1,896.

AARP charges $260 monthly for Plan N, 29% below the $367 state average. EmblemHealth follows at $264 and Transamerica at $335. Plan N carries copays of up to $20 per doctor visit and up to $50 for emergency room care. In exchange, monthly premiums run lower than Plan G.

Three Plan N providers cost more than the state average: Globe Life ($402), Humana ($457) and Bankers Conseco ($481). The savings figures shown for those three in the table represent the amount above average, not below. For Plan N, the two lowest rates are AARP at $260 and EmblemHealth at $264 monthly.

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.

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. Plan F, at $550, costs the most. Annual costs range from $1,944 to $6,600. Your actual premium depends on the provider you choose and your insurer's pricing method.

Prices for identical Medigap coverage differ by hundreds of dollars monthly between New York insurers. The six steps below narrow the field.

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.

AARP holds the lowest rate in New York for seven of 10 plan types. For new enrollees, AARP Plan G costs $325 monthly, $158 below the state average. Plan N at $260 saves $780 per year. The tradeoff is copays of up to $20 per doctor visit. If you see a doctor fewer than four times per month, Plan N costs less in total.

Transamerica is the right choice if you want all 10 plan types in one application or if Plan D or Plan M is your target. Grandfathered Plan F buyers should price AARP at $392 first. EmblemHealth charges $636 for the same plan, a $244 monthly gap, or $2,928 per year.

EmblemHealth's Plan C at $356 is the cheapest in New York, but only for buyers enrolled before January 1, 2020. On every other plan, AARP or Transamerica prices lower. AARP's Plan G at $325 versus Bankers Conseco at $773, a $5,376 annual gap for identical benefits.

These frequently asked questions help explain how Medigap coverage works in New York.

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.