Medicare Supplement
Medigap in New Mexico for 2027: 21 Insurers and the Plans They Sell
ALBUQUERQUE — As New Mexicans sort through Medicare choices for the coming year, Medigap — the private insurance that pairs with Original Medicare — remains one of the most asked-about pieces of the puzzle. Medicare.gov's Medigap policy search for ZIP code 87102 currently lists 21 insurers offering standardized plans in the Albuquerque area, with coverage sold under the familiar federal plan letters. Here is what the listings show, how the enrollment rules work, and where to turn for help before and during Annual Enrollment 2027, which runs October 15 through December 7, 2026.
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Click to call 855-729-3240Key takeaways
- Medicare.gov's Medigap search for ZIP code 87102 lists 21 insurers selling standardized plans in New Mexico, under plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, and N.
- The strongest window to buy any listed Medigap plan without medical underwriting is the six-month Medigap Open Enrollment Period that starts when you are 65 or older and enrolled in Part B.
- 27 Medicare Advantage plans offered in New Mexico in 2026 are not returning anywhere in the state in 2027, and members of a non-renewing plan get a federal guaranteed-issue right to buy certain Medigap plans.
- Medigap does not include drug coverage, so a Part D plan is chosen separately during Annual Enrollment 2027 (October 15 – December 7, 2026).
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
What is Medigap and how is it different from Medicare Advantage in New Mexico?
Medigap is private insurance that works alongside Original Medicare (Part A and Part B) to help pay some of the out-of-pocket costs Original Medicare leaves behind, such as coinsurance and copayments. It is not Medicare Advantage. A Medicare Advantage plan replaces how you get your Part A and Part B benefits through a private plan, often with its own network and its own drug coverage. A Medigap policy, by contrast, sits on top of Original Medicare and lets you use any provider nationwide that accepts Medicare. You cannot have both a Medicare Advantage plan and a Medigap policy at the same time.
Medigap plans are standardized by federal plan letter, meaning Plan G from one insurer covers the same federally defined benefits as Plan G from another. Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.
Which insurers sell Medigap in New Mexico and which plan letters do they offer?
Medicare.gov's Medigap policy search for ZIP code 87102 lists 21 insurers. Across those insurers, the plan letters sold by at least one company are A, B, C, D, F, F-HD, G, G-HD, K, L, and N. What is actually available to you can differ by ZIP code and by age, sex and tobacco use, and premiums are set by each insurer.
The insurers listed, in alphabetical order, with the plan letters shown for each:
- AARP – UnitedHealthcare Insurance Company: A, B, C, F, G, K, L, N
- AFLAC: A, F, G, N
- American Benefit Life Insurance Company: A, F, G, N
- Atlantic Capital Life Assurance Company: A, F, G, G-HD, K, N
- Bankers Life (Underwritten by Washington National Insurance Company): A, F, G, G-HD, N
- Blue Cross and Blue Shield of New Mexico: A, F, F-HD, G, G-HD, N
- Continental Life Insurance Company of Brentwood, Tennessee (Aetna): A, F, G, G-HD, N
- GPM Health and Life Insurance Company: A, F, G, N
- HealthSpring National Health Insurance Company: A, F, G, G-HD, N
- Heartland National Life Insurance Company: A, G, N
- Humana (Humana Benefit Plan of Illinois, Inc.): A, F, G, G-HD, N
- Insurance Company of North America: A, F, G, G-HD, N
- LifeShield National Insurance Company: A, F, G, N
- ManhattanLife of America Insurance Company: A, F, G, N
- Mutual of Omaha (Omaha Insurance Company): A, F, G, G-HD, N
- Nassau Life Insurance Company: A, F, G, N
- Old Surety Life Insurance Company: A, C, F
- Philadelphia American Life Insurance Company: A, C, D, F, F-HD, G-HD, N
- State Farm Mutual Automobile Insurance Company: A, C, D, F, G, N
- United American Insurance Company: A, B, C, D, F, F-HD, G, G-HD, K, L, N
- USAA Life Insurance Company: A, F, G, N
When is the Medigap Open Enrollment Period in New Mexico and why does it matter?
The Medigap Open Enrollment Period is a one-time, six-month window that starts the month you are 65 or older and enrolled in Medicare Part B. During that window, in New Mexico as nationwide, an insurer must sell you any Medigap policy it offers at the same price as a healthy person of your age, and it cannot refuse you or charge more because of a health condition. Outside this window, insurers in most situations can use medical underwriting to decide whether to issue a policy and at what price. That is why the six-month window matters so much: it is the broadest guaranteed opportunity most people will have to pick from the full set of listed plans.
What happens in New Mexico if my Medicare Advantage plan is not returning for 2027?
According to CMS Landscape files, 27 Medicare Advantage plans offered in New Mexico in 2026 are not being offered anywhere in the state in 2027. If you are enrolled in one of those non-renewing plans, you have a federal guaranteed-issue right to buy certain Medigap plans — meaning insurers must sell you specific standardized plans without medical underwriting, within a defined time frame around your plan ending.
Your plan's non-renewal notice and Medicare.gov explain which plans you qualify to buy and the deadlines that apply. You can also call 1-800-MEDICARE.
Does Medigap cover prescriptions in New Mexico, or do I need a separate Part D plan?
Medigap does not cover prescription drugs. New Medigap policies sold today do not include drug coverage, so people who want help with prescriptions pair Original Medicare and a Medigap policy with a stand-alone Medicare Part D drug plan. Part D plans are chosen separately during Annual Enrollment 2027, which runs October 15 through December 7, 2026, with coverage taking effect January 1, 2027. For 2027, the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), the maximum allowed Part D deductible is $700, and the national base beneficiary premium used in the late-enrollment penalty calculation is $41.33. Individual plan premiums are set plan by plan.
How do I compare Medigap policies in New Mexico?
Start by picking a plan letter, because benefits are standardized across insurers by letter. Then compare the insurers offering that letter in your ZIP code on price, customer service, rate-increase history, and whether they use attained-age, issue-age or community rating. Medicare.gov's Medigap policy search shows the insurers listed for your area; plan premiums, underwriting rules and specific terms come from each insurer's own documents or from calling the company. The Medicare Plan Finder at medicare.gov handles the Part D side of the comparison.
Where can New Mexicans get free help with Medicare questions?
Free, impartial help is available from Medicare itself. Medicare.gov has the Medigap policy search, the Plan Finder for Part D, and plain-language explanations of enrollment periods and guaranteed-issue rights. 1-800-MEDICARE (1-800-633-4227) is open 24 hours a day, seven days a week, and can walk through what applies to your specific situation.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
The parts of Medicare
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When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Good to know
Frequently asked questions
How many insurers sell Medigap plans in New Mexico for 2027?
Which Medigap plan letters are sold in New Mexico?
What are my Medigap rights if my Medicare Advantage plan is leaving New Mexico for 2027?
Does a Medigap plan include prescription drug coverage?
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- Medicare.gov Medigap policy search
Figures cited in this article
- Medicare.gov: the Medigap policy search results for ZIP code 87102, including the 21 insurers and the plan letters each lists.
- CMS Landscape Source Files: the count of Medicare Advantage plans offered in New Mexico in 2026 that are not being offered anywhere in the state in 2027.
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): the six-month Medigap Open Enrollment Period and federal guaranteed-issue rights.
- CMS — Medicare enrollment periods (medicare.gov): the Annual Enrollment Period dates and effective date.
- CMS: the 2027 Part D parameters (out-of-pocket cap, maximum deductible, base beneficiary premium).
- Social Security Administration: the 3.6 percent cost-of-living adjustment announced October 14, 2026, for benefits payable beginning January 2027.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.