Medicare Supplement
What's changing for Medigap in New York City for 2027
New York City — As 2027 approaches, New Yorkers on Medicare — or about to be — should know that Medigap in this state works differently than almost anywhere else, and a few moving parts reset each year. Rate filings roll in during rate-adjustment season, the Part B deductible that Plans G and N are built around resets every January, and the roster of insurers selling in New York can shift. Here is what to watch before you shop.
Compare Medicare Supplement options near you
Answer 3 quick questions to see Medicare Supplement listings from licensed insurance partners.
What’s your ZIP code?
Plan availability is set by your county, so we start here.
How old are you?
This helps match you with options you’re eligible for.
Do you have Medicare Parts A & B?
This affects which Medicare Supplement options you can choose.
These listings are provided by licensed insurance partners.
Your Medigap rate went up. Your benefits didn't.
Medicare supplement benefits are standardized — identical at any carrier. The only difference is what you pay. One call compares current rates in your area.
- Same plan letter = same benefits, by law
- No fall deadline — switch any month, if your health qualifies
Available now — current wait: 0 min
A real person answers. No phone menu, ever.
Advertising disclosure: MyMedicarePlans.org may be compensated when you contact a partner or licensed agent. Listings are not ranked or endorsed by us, and we do not recommend specific plans. You can also contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.
Speak to a Licensed Insurance Agent
Click to call 855-729-3240
Key takeaways
- New York is one of the few states with year-round guaranteed issue for Medigap, so eligibility rules here are more forgiving than the federal baseline.
- People newly eligible for Medicare can buy standardized Plans A, B, D, G, G-HD, K, L, M, and N; Plans C and F are limited to those eligible before January 1, 2020.
- Plans G and N pay after you meet the Part B deductible, and that deductible resets each January — check medicare.gov for the 2027 figure once it is announced.
- Medigap premiums are filed with the New York State Department of Financial Services; use its rate guide, the Medicare.gov policy search, or your local SHIP to compare current prices by ZIP code.
The plan letters you can actually buy in 2027
Medigap plans are standardized by letter across the country, which means a Plan G from one insurer covers the same core benefits as a Plan G from any other. What changes is the price and the company behind it.
If you are newly eligible for Medicare, these are the letters open to you in New York: A, B, D, G, G-HD (a high-deductible version of G), K, L, M, and N. Plans C and F are closed to newcomers under a federal rule that took effect January 1, 2020 — those two plans remain available only to people who were eligible for Medicare before that date.
The table below lists every plan letter and what it covers at the federal standardized level.
Why the Part B deductible reset matters for Plans G and N
Plans G and N are structured to pay your Part A and Part B cost-sharing after you meet the Part B deductible each year. That deductible is set by CMS and resets every January 1. The 2027 figure will be announced by CMS later in 2026; you can confirm it on medicare.gov before you plan your out-of-pocket budget.
The high-deductible version of Plan G (G-HD) works similarly but with a much larger yearly deductible before coverage kicks in. If you are comparing G to G-HD, the annual deductible amount is the number that drives most of the math.
Rate-adjustment season: how New York prices work
Medigap premiums are not set by Medicare. In New York, insurers file proposed rates with the New York State Department of Financial Services (DFS), which reviews them before they take effect. That review process is why the price you were quoted last spring may not be the price on the same plan this fall.
New York is also a community-rated state for Medigap. That means insurers cannot charge you more because of your age — everyone buying the same plan from the same insurer in the same area pays the same base premium. Your health status also cannot be used to deny you or price you higher, because New York requires continuous open enrollment and guaranteed issue for Medigap.
To see current filed rates:
- Use the Medigap policy search on Medicare.gov and enter your ZIP code.
- Check the New York DFS Medigap rate guide, which lists filed premiums by insurer and plan letter.
- Call your local SHIP (in New York, the Health Insurance Information, Counseling and Assistance Program, or HIICAP) for free, unbiased help.
Insurers entering or leaving the state
Medigap carriers can enter or exit the New York market between years, and individual insurers sometimes stop selling certain plan letters even when they stay in the state. Because a public, up-to-date insurer list for New York is not included in the data we can cite here, the most reliable way to see who is actively selling in your ZIP code is the Medicare.gov Medigap policy search. The DFS rate guide is another good cross-check.
New York City is in five counties — New York, Kings, Queens, Bronx, and Richmond — and Medigap availability is set at that level, so a plan sold in Manhattan may or may not be sold in Staten Island. Always search by your actual ZIP.
How to decide, step by step
1. Start with the letter. Decide which standardized plan matches how much cost-sharing you want to handle yourself. G and N are the most commonly chosen among newly eligible enrollees; K, L, and M share more costs with you in exchange for lower premiums. 2. Compare filed prices. Because benefits within a letter are identical, price and company service are the main differences. Pull rates from the DFS guide and Medicare.gov. 3. Check that the insurer is still selling that letter in your ZIP for 2027. Availability can shift year to year. 4. Remember Part D is separate. Medigap does not cover prescription drugs. You will need a stand-alone Part D plan; the 2026 Part D out-of-pocket cap is $2,100 and the maximum deductible is $615, and the Medicare Prescription Payment Plan lets you spread drug costs monthly. 5. Ask for help. HIICAP counselors are free and do not sell anything.
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.
By the numbers
How people get Medicare in New York County
(MA penetration in New York County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
Medicare Supplement (Medigap)
The Medigap plans you can buy in New York
Medigap plans are standardized by federal law: a Plan G from one insurer covers the same things as a Plan G from any other. Insurers set their own prices, which are not shown here.
| Plan | What it covers | Open to new enrollees |
|---|---|---|
| Plan A | The basic benefits every Medigap plan includes: Part A hospital coinsurance and up to 365 extra hospital days, Part B coinsurance, the first three pints of blood, Part A hospice coinsurance. | Yes |
| Plan B | Plan A plus the Part A hospital deductible. | Yes |
| Plan C | Plan B plus skilled-nursing coinsurance, the Part B deductible and foreign-travel emergency care. Closed to people newly eligible for Medicare on or after January 1, 2020. | Only if you were eligible before 2020 |
| Plan D | Plan B plus skilled-nursing coinsurance and foreign-travel emergency care (not the Part B deductible). | Yes |
| Plan F | Every standardized benefit, including the Part B deductible and Part B excess charges. Closed to people newly eligible on or after January 1, 2020. A high-deductible version exists. | Only if you were eligible before 2020 |
| Plan G | Every standardized benefit except the Part B deductible (which you pay yourself each year). A high-deductible version (G-HD) pays after you meet a yearly deductible. | Yes |
| Plan K | Pays a share of most cost-sharing (50 percent for several benefits) with a yearly out-of-pocket limit set by federal rules. | Yes |
| Plan L | Like Plan K with a larger share (75 percent) and a lower yearly out-of-pocket limit. | Yes |
| Plan M | Like Plan D but covers half of the Part A hospital deductible. | Yes |
| Plan N | Like Plan G, except a small copayment for some office and emergency-room visits, and it does not cover Part B excess charges. | Yes |
Source: CMS, Medicare Supplement Insurance (Medigap) rules; medicare.gov.
Who sells Medigap here
Medigap insurers in New York
Insurers offering Medigap policies in New York, listed alphabetically. Prices vary by insurer for the same letter and are not shown here.
- AARP - UnitedHealthcare Insurance Company of New York Plans A, B, C, F, G, K, L, N
- BANKERS CONSECO LIFE INSURANCE COMPANY Plans A, B, F, F-HD, G, G-HD, K, L, M, N
- BlueCross BlueShield of Western New York Plans A, B, C, F, F-HD, G, N
- EmblemHealth Services Company Plans A, B, C, F, F-HD, G, G-HD, N
- Globe Life Insurance Company of New York Plans A, B, C, D, F, F-HD, G, G-HD, K, L, N
- Humana (Humana Insurance Company of New York) Plans A, B, C, F, F-HD, G, G-HD, K, L, N
- Mutual of Omaha (Mutual of Omaha Insurance Company) Plans A, B, C, D, F, G, M
- Univera Healthcare West New York Plans A, B, C, D, F, F-HD, G, G-HD, N
Source: Medicare.gov Medigap policy search. No insurer is ranked or recommended.
Explore
The parts of Medicare
Explore
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
Can I switch Medigap plans in New York at any time?
Are Plans C and F really off the table for me?
What is the Part B deductible, and why do Plans G and N reference it?
Does Medigap cover my prescriptions?
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
- Medicare.gov Medigap policy search and state insurance-department rate guides
- CMS — Medicare costs & IRMAA (medicare.gov)
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.
Also for New York City
Content Integrity Standards
- No invented figures. Program-level numbers come from CMS / Medicare.gov; we never use placeholder data.
- No plan rankings or recommendations. This is educational content. We don't rank, score, or recommend specific plans.
- AI-assisted, human-reviewed. Articles are produced with AI-assisted tools and reviewed by the responsible desk before publishing.
- Inline sourcing. Facts and figures are cited to primary sources — CMS, SSA, and Medicare.gov.
- Correction transparency. We fix errors openly and note when a page was last updated.
- Not a government site. MyMedicarePlans.org is privately owned and not affiliated with or endorsed by Medicare or any government agency.
This page was last updated: September 2026.