Medigap in New York: 2026 Average Premiums
| Plan | Estimated Monthly Premium | Part A Deductible | Part B Coinsurance |
|---|---|---|---|
| Plan G (most popular) | $192/month | Covered | 100% covered |
| Plan N | $157/month | Covered | Covered (with copays up to $20) |
| Plan F (pre-2020 only) | $221/month | Covered | 100% covered |
| Plan K | $86/month | 50% covered | 50% covered |
| Plan L | $115/month | 75% covered | 75% covered |
Medicare Supplement Insurance in New York
Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in New York. The most popular plan — Plan G — has an average monthly premium of $192 in New York, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).
Medigap Plan Comparison in New York
| Benefit | Plan G | Plan N | Plan F* | Plan K | Plan L |
|---|---|---|---|---|---|
| Part A coinsurance and hospital costs | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B coinsurance/copayment | ✓ | ✓ (copays) | ✓ | 50% | 75% |
| Blood (first 3 pints) | ✓ | ✓ | ✓ | 50% | 75% |
| Part A hospice coinsurance | ✓ | ✓ | ✓ | 50% | 75% |
| Skilled nursing facility coinsurance | ✓ | ✓ | ✓ | 50% | 75% |
| Part A deductible | ✓ | ✓ | ✓ | 50% | 75% |
| Part B deductible | ✗ | ✗ | ✓ | ✗ | ✗ |
| Part B excess charges | ✓ | ✗ | ✓ | ✗ | ✗ |
| Foreign travel emergency (80%) | ✓ | ✓ | ✓ | ✗ | ✗ |
| Estimated monthly premium in New York | $192 | $157 | $221* | $86 | $115 |
*Plan F is only available to people who became eligible for Medicare before January 1, 2020.
When to Buy Medigap in New York
The best time to buy Medigap in New York is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in New York cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.
Medigap vs. Medicare Advantage in New York
Choosing between Medigap and Medicare Advantage in New York depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $19.2/month in New York) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in New York is rated 4.1 stars by CMS.