Medicare Supplement Insurance (Medigap) helps New Mexico seniors and eligible disabled residents cover out-of-pocket healthcare costs not fully paid by Original Medicare, such as deductibles, copayments, and coinsurance. New Mexico residents may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to individuals who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in New Mexico
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 34,453 |
| 2 | G | 24,559 |
| 3 | N | 6,598 |
Did you know? New Mexico is one of the states where Plan F still maintains a strong lead, with nearly 10,000 more enrollees than Plan G. While Plan G is gaining traction nationwide, many New Mexicans continue to hold onto their long-standing Plan F coverage.
How Medigap Pricing Works in New Mexico
Premiums for Medigap coverage may increase differently depending on the pricing method insurers use. In New Mexico, policies may be structured under one of three models:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age when you buy the policy and may rise with inflation, not age.
- Community rated – All policyholders pay the same premium, regardless of age.
Under-65 Eligibility in New Mexico
New Mexico does not require insurers to sell Medigap plans to beneficiaries under 65 who qualify due to disability or end-stage renal disease (ESRD). Some insurers may choose to offer coverage voluntarily, but availability and pricing vary by company.
Choosing a Medigap Plan in New Mexico
Plan F remains the most popular Medigap plan in New Mexico, though Plan G is steadily rising as the preferred option for new enrollees. Plan N offers a lower-cost alternative for those comfortable with modest copayments. Every Medigap policy is accepted nationwide by providers who take Medicare, giving New Mexico residents reliable coverage whether they receive care in Albuquerque, Santa Fe, or elsewhere in the U.S.
To review premiums and compare available plans in your ZIP code, visit our Medigap rate comparison page.