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By YourBest Editorial Team · Updated · How we rank

October 2026 rates · New York official rate guide · Ranked by math

Cheapest Medigap Plan G and Plan N in New York

Plan G from one insurer covers exactly what Plan G from any other covers, so price is the main difference. We rank every insurer in New York’s official rate guide by its yearly premium at 65.

10insurers ranked
$3,177.60lowest yearly Plan G premium at 65
$3,441.72lowest yearly Plan N premium at 65
$6,905.76gap between the cheapest and priciest Plan G
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What these rates are. Monthly premiums by region. New York requires community rating: an insurer charges everyone in a region the same premium for a plan, whatever their age, sex or health. Where an insurer shows more than one premium in a region, the price depends on the part of the region; we rank its lowest and note the range. Plans F+ and G+ in the source are the high-deductible versions. Source: the New York State Department of Financial Services, premiums in effect as of October 1, 2026. Rates change during the year and your quote depends on your age, ZIP code, health and when you apply, so treat this as a shortlist and get quotes.

Showing: Albany (ZIP codes starting 120-23 & 128-29).

Every insurer sets its premiums by region, and not every insurer sells in every region.

Plan G, ranked

Plan G covers everything Medicare-approved except the Part B deductible. What each plan covers.

#InsurerMonthly at 65Yearly at 65Pricing
1 Aetna Life InsuranceRate class: Community rated (same premium at any age) $305.19 $3,662.28 Community rated
2 Globe Life InsuranceRate class: Community rated (same premium at any age) $384 $4,608 Community rated
3 Mutual Of OmahaRate class: Community rated (same premium at any age)Shows 2 premiums in this region ($384.02 to $405.98): the price depends on where in the region you live $384.02 $4,608.24 Community rated
4 EmblemHealth Plan, Inc.Rate class: Community rated (same premium at any age)Shows 2 premiums in this region ($394.69 to $417.27): the price depends on where in the region you live $394.69 $4,736.28 Community rated
5 Excellus Health Plan, Inc. (d/b/a Excellus BlueCross BlueShield)Rate class: Community rated (same premium at any age) $477.04 $5,724.48 Community rated
6 Highmark Western and Northeastern New York Inc. (d/b/a Blue Shield of NNY)Rate class: Community rated (same premium at any age) $492.20 $5,906.40 Community rated
7 HumanaRate class: Community rated (same premium at any age) $601.17 $7,214.04 Community rated
8 Bankers ConsecoRate class: Community rated (same premium at any age) $666.60 $7,999.20 Community rated

Plan N, ranked

Plan N costs less but you pay up to $20 for some office visits, up to $50 for an ER visit that doesn’t lead to admission, and any Part B excess charges. The last column compares each insurer’s Plan N with its own Plan G. Which one comes out ahead.

#InsurerMonthly at 65Yearly at 65Pricingvs. same insurer’s Plan G
1 EmblemHealth Plan, Inc.Rate class: Community rated (same premium at any age)Shows 2 premiums in this region ($287.51 to $303.96): the price depends on where in the region you live $287.51 $3,450.12 Community rated $1,286.16 a year less= 64 office visits at the $20 copay
2 Highmark Western and Northeastern New York Inc. (d/b/a Blue Shield of NNY)Rate class: Community rated (same premium at any age) $321.82 $3,861.84 Community rated $2,044.56 a year less= 102 office visits at the $20 copay
3 Globe Life InsuranceRate class: Community rated (same premium at any age) $375 $4,500 Community rated $108 a year less= 5 office visits at the $20 copay
4 Bankers ConsecoRate class: Community rated (same premium at any age) $415.40 $4,984.80 Community rated $3,014.40 a year less= 150 office visits at the $20 copay
5 HumanaRate class: Community rated (same premium at any age) $426.20 $5,114.40 Community rated $2,099.64 a year less= 104 office visits at the $20 copay
6 Excellus Health Plan, Inc. (d/b/a Excellus BlueCross BlueShield)Rate class: Community rated (same premium at any age) $481.97 $5,783.64 Community rated $59.16 a year more

High-deductible Plan G

Same benefits as Plan G after you pay a yearly deductible ($2,950 in 2026), so it isn’t ranked against standard plans. A low premium here means you carry more of the risk yourself.

#InsurerMonthly at 65Yearly at 65Pricing
1 Bankers ConsecoRate class: Community rated (same premium at any age) $60.25 $723 Community rated
2 EmblemHealth Plan, Inc.Rate class: Community rated (same premium at any age)Shows 2 premiums in this region ($61.83 to $65.36): the price depends on where in the region you live $61.83 $741.96 Community rated
3 Globe Life InsuranceRate class: Community rated (same premium at any age) $76 $912 Community rated
4 Excellus Health Plan, Inc. (d/b/a Excellus BlueCross BlueShield)Rate class: Community rated (same premium at any age) $85 $1,020 Community rated
5 HumanaRate class: Community rated (same premium at any age) $90.31 $1,083.72 Community rated

Plans with membership or eligibility limits

These plans appear in the New York guide but aren’t open to every resident (for example, AARP plans require AARP membership) or are Medicare SELECT plans with a provider network, so we list them as published instead of ranking them.

InsurerPlanPremiums as publishedWhy not ranked
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age)Shows 2 premiums in this region ($336.25 to $342.50): the price depends on where in the region you live G age 65+: $336.25Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age)Shows 2 premiums in this region ($336.25 to $342.50): the price depends on where in the region you live G age 65+: $342.50Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age)Shows 2 premiums in this region ($336.25 to $342.50): the price depends on where in the region you live G age 65+: $336.25Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age)Shows 2 premiums in this region ($336.25 to $342.50): the price depends on where in the region you live G age 65+: $342.50Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age) G age 65+: $342.50Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age) G age 65+: $372.50Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age) G age 65+: $336.25Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age) G age 65+: $372.50Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age) G age 65+: $342.50Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age)Shows 2 premiums in this region ($336.25 to $342.50): the price depends on where in the region you live G age 65+: $336.25Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age)Shows 2 premiums in this region ($336.25 to $342.50): the price depends on where in the region you live G age 65+: $342.50Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age) G age 65+: $342.50Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age)Shows 2 premiums in this region ($336.25 to $372.50): the price depends on where in the region you live G age 65+: $336.25Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age)Shows 2 premiums in this region ($336.25 to $372.50): the price depends on where in the region you live G age 65+: $372.50Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age)Shows 2 premiums in this region ($269.00 to $279.25): the price depends on where in the region you live N age 65+: $269Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age)Shows 2 premiums in this region ($269.00 to $279.25): the price depends on where in the region you live N age 65+: $279.25Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age)Shows 2 premiums in this region ($269.00 to $279.25): the price depends on where in the region you live N age 65+: $269Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age)Shows 2 premiums in this region ($269.00 to $279.25): the price depends on where in the region you live N age 65+: $279.25Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age) N age 65+: $269Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age) N age 65+: $299Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age) N age 65+: $279.25Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age) N age 65+: $299Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age) N age 65+: $269Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age)Shows 2 premiums in this region ($269.00 to $279.25): the price depends on where in the region you live N age 65+: $269Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age)Shows 2 premiums in this region ($269.00 to $279.25): the price depends on where in the region you live N age 65+: $279.25Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age) N age 65+: $269Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age)Shows 2 premiums in this region ($279.25 to $299.00): the price depends on where in the region you live N age 65+: $279.25Monthly premium AARP membership
UnitedHealthcare (AARP Program)Rate class: Community rated (same premium at any age)Shows 2 premiums in this region ($279.25 to $299.00): the price depends on where in the region you live N age 65+: $299Monthly premium AARP membership

How we rank

We take each insurer’s premium for Plan G and Plan N at 65 straight from New York’s official guide and multiply monthly premiums by 12 to get the yearly cost. Each insurer appears once, at its best published rate class that isn’t a tobacco rate. Lower ranks higher; ties go to the lower premium at 75 where the guide shows it, then the insurer’s name. We don’t estimate, round or adjust any premium. Full methodology.

The cheapest policy at 65 isn’t always the cheapest later. An attained-age policy goes up as you get older, an issue-age policy is priced on your age when you buy, and a community-rated policy charges everyone the same. How the three methods compare.

Before you buy: get a written quote from the insurer, ask how its rates have risen, and check Medicare.gov’s Medigap policy search. Your State Health Insurance Assistance Program gives free, unbiased help. Buying during your Medigap Open Enrollment Period means insurers can’t turn you down or charge more for health problems.

Questions

What is the cheapest Medigap Plan G in New York?

In the rate guide from the New York State Department of Financial Services (premiums in effect as of October 1, 2026), the lowest Plan G premium at 65 and older from an insurer open to all applicants is: Albany (ZIP codes starting 120-23 & 128-29): Aetna Life Insurance, $3,662.28 a year ($305.19 a month); Buffalo (ZIP codes starting 140-43 & 147): Aetna Life Insurance, $3,177.60 a year ($264.80 a month); Long Island (ZIP codes starting 110 & 115-19): Aetna Life Insurance, $4,875.12 a year ($406.26 a month); Mid-Hudson (ZIP codes starting 124-27): Aetna Life Insurance, $4,050.72 a year ($337.56 a month); NYC Proper (ZIP codes starting 100-04 & 111-14): Aetna Life Insurance, $4,875.12 a year ($406.26 a month); Rochester (ZIP codes starting 144-46): Aetna Life Insurance, $3,177.60 a year ($264.80 a month); Syracuse (ZIP codes starting 130-32 & 137-39 & 148-49): Aetna Life Insurance, $3,177.60 a year ($264.80 a month); Utica (ZIP codes starting 133-35): Aetna Life Insurance, $3,177.60 a year ($264.80 a month); Watertown (ZIP codes starting 136): Aetna Life Insurance, $3,516.84 a year ($293.07 a month); Westchester (ZIP codes starting 105-109): Mutual Of Omaha, $4,871.76 a year ($405.98 a month). Your own quote depends on your age, ZIP code, health and the date you apply.

What is the cheapest Medigap Plan N in New York?

Albany (ZIP codes starting 120-23 & 128-29): EmblemHealth Plan, Inc., $3,450.12 a year ($287.51 a month); Buffalo (ZIP codes starting 140-43 & 147): EmblemHealth Plan, Inc., $3,441.72 a year ($286.81 a month); Long Island (ZIP codes starting 110 & 115-19): EmblemHealth Plan, Inc., $3,777.24 a year ($314.77 a month); Mid-Hudson (ZIP codes starting 124-27): EmblemHealth Plan, Inc., $3,647.52 a year ($303.96 a month); NYC Proper (ZIP codes starting 100-04 & 111-14): EmblemHealth Plan, Inc., $3,777.24 a year ($314.77 a month); Rochester (ZIP codes starting 144-46): EmblemHealth Plan, Inc., $3,441.72 a year ($286.81 a month); Syracuse (ZIP codes starting 130-32 & 137-39 & 148-49): EmblemHealth Plan, Inc., $3,441.72 a year ($286.81 a month); Utica (ZIP codes starting 133-35): EmblemHealth Plan, Inc., $3,450.12 a year ($287.51 a month); Watertown (ZIP codes starting 136): EmblemHealth Plan, Inc., $3,450.12 a year ($287.51 a month); Westchester (ZIP codes starting 105-109): EmblemHealth Plan, Inc., $3,647.52 a year ($303.96 a month). Plan N has copays of up to $20 for some office visits and up to $50 for emergency room visits and doesn’t cover Part B excess charges, which is why it usually costs less than Plan G.

How much do Plan G premiums vary between insurers in New York?

Plan G benefits are the same from every insurer, but in this guide the yearly premium at 65 runs from $3,177.60 to $10,083.36. Insurers also price future increases differently (attained-age, issue-age or community-rated), so compare the older-age premiums too where they’re shown.

Where do these New York Medigap rates come from?

From the New York State Department of Financial Services: “Comparison of Year 2026 Community Rated Standardized Medicare Supplement Monthly Premiums” (premiums in effect as of October 1, 2026). We copy the premiums exactly as published and rank them; we don’t estimate or adjust them. Monthly premiums by region. New York requires community rating: an insurer charges everyone in a region the same premium for a plan, whatever their age, sex or health. Where an insurer shows more than one premium in a region, the price depends on the part of the region; we rank its lowest and note the range. Plans F+ and G+ in the source are the high-deductible versions.

Sources

Rates exactly as published by the state (premiums in effect as of October 1, 2026).

  1. New York State Department of Financial Services, “Comparison of Year 2026 Community Rated Standardized Medicare Supplement Monthly Premiums” (premiums in effect as of October 1, 2026) — dfs.ny.gov.
  2. CMS and NAIC, “Choosing a Medigap Policy” (CMS Product No. 02110, March 2026) — medicare.gov.
  3. Medicare.gov, “Compare Medigap plan benefits” (2026 high-deductible amount) — medicare.gov.

Educational information, not a recommendation to buy any policy. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Insurers don’t pay to be listed or ranked. · Advertiser disclosure

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