Best Medicare Supplement Plans in New York (2026)

Every Plan G sold in New York covers the same benefits by federal law: hospital costs, doctor co-insurance, copays and foreign travel emergency care. The one gap it doesn't fill is the Part B deductible, which is $283 per year. The only difference between Plan G carriers is the monthly premium you pay.  

AARP charges $325 per month for Plan G, $158 less than the New York state average of $483. It also holds the lowest rate for Plans A, B, F, K, L and N. No other carrier in our analysis leads on more than two plan types. EmblemHealth leads on Plan C. Transamerica is the only carrier covering all 10 plan types.

*Prices are for 65-year-olds.

Medicare covers most hospital and doctor costs but leaves you paying deductibles, copayments and co-insurance out of pocket. A Medicare Supplement plan, also called Medigap, covers those gaps. We reviewed every Medigap plan available to New York 65-year-olds and scored carriers on monthly cost, plan selection and financial strength.

New York is one of three states where the law requires all Medigap insurers to charge the same monthly rate for a given plan regardless of your age or health, per New York Insurance Law Section 4326. A 65-year-old and a 78-year-old pay the same monthly rate for Plan G from the same insurer. Most states don't offer this right.

Filter by plan letter, age or high-deductible option to compare rates across all carriers available in New York. High-deductible versions of some plans carry a lower monthly premium. You pay a set deductible before those plans cover anything. Use the filter to see what each option costs at your age.

Plan G is the most comprehensive Medigap plan available to new Medicare enrollees. It covers hospital costs, doctor co-insurance, copays and foreign travel emergency care. The only cost it doesn't cover is the annual Part B deductible, which is $283 in 2026. When we compared Plan G premiums across all seven carriers offering it in New York, we found a $448 monthly gap between the cheapest and most expensive.

AARP, Transamerica and EmblemHealth all price Plan G below the $483 state average. The four remaining carriers all price above it. But before choosing a carrier, check its AM Best rating at ambest.com. A Medigap policy often runs 10 to 20 years or longer.

Plan N covers the same Medicare gaps as Plan G with one difference. Under Plan N you pay up to $20 each time you visit a doctor and up to $50 each time you go to the emergency room. In exchange, the monthly premium is lower. At New York state average rates, Plan N costs $116 less per month than Plan G.

The better option between Plan G and Plan N depends on how often you see a doctor. Our analysis puts the break-even at roughly 69 doctor visits per year. Below that threshold, Plan N costs less in total. Above it, Plan G's zero copays offset its higher premium. For Plan N buyers, the $4 monthly gap between AARP and EmblemHealth matters less than confirming the insurer's AM Best rating before enrolling.

AARP covers roughly five of every six Medigap members in New York, per the NAIC (National Association of Insurance Commissioners) Medicare Supplement Loss Ratios report. AARP's share reflects its price leadership across most plan types. Anthem Blue Cross and Blue Shield is the second-largest carrier. It serves a different region of the state than EmblemHealth.

Plan G rates in New York vary by as much as $448 per month between carriers for the same standardized coverage. Work through these six steps to narrow that spread to one plan letter and one carrier.

New York residents can get free help comparing Medigap plans from state and federal programs.

• 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.

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. All rates shown are for 65-year-olds unless a section specifies a different age.

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%): New York law requires all Medigap carriers to use community rating, which means premiums cannot increase because you get older. Every carrier in our New York analysis earns the same score on this dimension. We retain it in our methodology because it reflects a structural advantage New York buyers have that most states don't offer.
• Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.