New York Medigap Plans
Medicare Supplement Plans in New York - 2026 Rates, Rules & Carrier Options
Medicare Enrollees
3.8 million
Avg Plan G Premium
$200–$320/month
Guaranteed Issue
Year-round (all plans)
Rating Method
Community rated
Medigap in New York
New York has some of the strongest Medigap consumer protections in the country, with year-round guaranteed issue rights and community rating. Anyone can get a Medigap plan at any time without medical underwriting, and all enrollees pay the same premium regardless of age. The trade-off is that New York has among the highest Medigap premiums in the country. The state has a large Medicare population of 3.8 million enrollees.
Open Enrollment in New York
New York has guaranteed issue rights for Medigap plans year-round - insurers cannot deny coverage based on health status.
New York Medigap Rules
- New York requires guaranteed issue for all Medigap plans year-round
- Community rating required - premiums don't vary by age
- Continuous open enrollment period
- Among the highest Medigap premiums in the country
Top Carriers in New York
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Compare New York Medigap Rates
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