Medicare Supplement Plans in New York
15+ carriers offer Medigap plans in New York. Premiums are community-rated.
15+
Carriers available
Community-rated
Rating method
G, N, F
Most popular plans
How New York prices Medigap plans
New York is community-rated — premiums don't increase because of your age. A 65-year-old and an 85-year-old pay the same rate from the same carrier. Premiums can still increase for medical inflation, but not for aging.
New York Medigap regulations
New York uses community rating — premiums cannot vary by age.
New York has continuous open enrollment — you can buy or switch Medigap plans at any time without medical underwriting.
Carriers must sell Plans A, B, C, D, F, G, K, L, M, and N in New York.
New York requires carriers to cover Medicare beneficiaries under 65 with disabilities.
Tips for New York enrollees
New York's continuous open enrollment is a unique advantage — you can switch carriers anytime to get a better rate without health questions.
Because rates are community-rated, enrolling later (even after 65) doesn't cost more due to age. But don't wait — premiums still increase with medical inflation.
Compare rates annually. Since you can switch freely, there's no penalty for shopping every year.
Most popular plans in New York
Cities in New York
Explore Medigap rates and carrier options for specific cities in New York.
Compare New York carriers and rates
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