Medicare Supplement Insurance (Medigap) helps New York seniors and eligible disabled residents cover healthcare costs not fully paid by Original Medicare, such as deductibles, copayments, and coinsurance. New York 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 York
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 233,255 |
| 2 | N | 129,763 |
| 3 | G | 52,997 |
Did you know? New York is one of the few states where Plan N is more popular than Plan G, with more than 129,000 enrollees. Combined with the state’s unique continuous open enrollment rule, this makes New York one of the most consumer-friendly states for Medigap shoppers.
How Medigap Pricing Works in New York
Premiums for Medigap coverage may rise differently depending on how insurers price their plans. In New York, insurers may use one of three methods:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age when you purchase the plan and may rise with inflation, not age.
- Community rated – All beneficiaries pay the same premium, regardless of age.
Note: In practice, New York uses community rating as its default, which helps stabilize costs across age groups.
Under-65 Eligibility in New York
New York requires insurers to offer all Medigap plans to Medicare beneficiaries under 65 who qualify due to disability or end-stage renal disease (ESRD). Premiums do not vary by age, meaning younger and older beneficiaries pay the same rate.
Continuous Open Enrollment
Unlike most states, New York provides continuous open enrollment. This means that Medicare beneficiaries can purchase or switch Medigap plans at any time during the year without medical underwriting. This rule gives residents far more flexibility and consumer protection than the standard six-month enrollment window available in most states.
Choosing a Medigap Plan in New York
Plan F has historically been the most popular Medigap plan in New York, though it is closed to new enrollees. Plan N has grown exceptionally strong, surpassing Plan G in enrollment — a trend seen in very few states. All Medigap policies are accepted nationwide at providers who take Medicare, ensuring New Yorkers have consistent coverage whether they receive care in New York City, Buffalo, or across the country.
To compare premiums and explore Medigap plan options available in your area, visit our Medigap rate comparison page.