Medicare Supplement

Which Medigap plans can you still buy in New York, and how insurers differ

New York City sits inside a Medicare Supplement market that works a little differently from most of the country. If you are shopping for a Medigap policy here, the plan letters are the same standardized letters sold nationwide — but how insurers price them, and who has to sell to you, follows New York's own rules. Here is how to see who sells Medigap in your ZIP code, and how to compare the same plan letter across companies without getting lost.

The plan letters you can buy today

New York City is in New York County, and the same standardized Medigap plan letters are sold statewide. If you became eligible for Medicare on or after January 1, 2020, you can choose from Plans A, B, D, G, high-deductible G, K, L, M and N. Plans C and F remain available only to people who were eligible for Medicare before that date.

Because these plans are standardized by federal law, a Plan G from one insurer covers the exact same Medicare-approved costs as a Plan G from any other insurer. That is the single most important thing to remember when you compare companies: you are comparing price and service, not benefits.

How to find every insurer selling Medigap in your ZIP code

We are not naming insurers here because the list changes and we want you working from the current, official source. Three places will give you the full picture:

• Medicare.gov Medigap policy search. Enter your ZIP code at medicare.gov/medigap-supplemental-insurance-plans and you will see every insurer licensed to sell each plan letter in your area.
• New York State Department of Financial Services. DFS publishes a Medigap rate guide that lists approved insurers and their filed rates. You can find it at dfs.ny.gov.
• HIICAP, New York's SHIP. The Health Insurance Information, Counseling and Assistance Program offers free one-on-one help. Call 1-800-701-0501.

The table below on this page pulls together the plan letters available; use the tools above to match them to specific companies serving your ZIP code.

Pricing methods: why the "same" Plan G can cost different amounts

New York is a community-rated state for Medigap. That means insurers cannot charge you more because of your age. Everyone who buys the same plan letter from the same insurer pays the same base premium, whether they are 65 or 85.

That is different from the two other methods used elsewhere:

• Issue-age rating sets your premium based on how old you were when you bought the policy.
• Attained-age rating starts lower when you are younger and rises as you get older.

Even under community rating, premiums are not frozen. Insurers can — and do — raise rates over time to keep up with medical costs. That is why the next thing to look at is rate history.

Rate history, household discounts and underwriting

Two insurers can file very different premiums for the identical Plan G. A few questions help you tell them apart:

How often has this insurer raised rates, and by how much? The DFS rate guide shows filed rates over time. A company with a steadier history may be worth a closer look, even if today's premium is not the lowest.

Is there a household discount? Some insurers reduce premiums when more than one adult in the home has a policy with them, or sometimes just when another adult lives in the home. Rules vary by company.

What are the underwriting rules? New York is one of the more consumer-friendly states here. State law requires insurers to sell Medigap on a guaranteed-issue, continuous open-enrollment basis, meaning they cannot turn you down or charge you more because of your health. Still, it is worth asking each insurer about any waiting periods for pre-existing conditions, which can apply in limited situations.

Putting it all together

A useful way to shop: pick the plan letter that fits your budget and how you use care, then compare that same letter across insurers on premium, rate history and household discount. Because coverage is identical by law, this is one of the rare insurance decisions where an apples-to-apples comparison really is possible.

If you also have a Part D drug plan, remember the 2026 program-level updates: the Part D out-of-pocket cap is $2,100, the maximum deductible is $615, and the Medicare Prescription Payment Plan lets you spread drug costs across the year in monthly amounts.