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Medicare Supplement Insurance in New York

NY Medicare enrollment quick facts

Medicare Supplement insurance (also called Medigap) helps senior and disabled New York residents pay for certain Medicare co-payments, deductibles, and other costs. Currently, insurance companies can offer state residents one of the 10 standardized Medigap plan options: Plans A, B, C, D, F, G, K, L, M, and N.

New York Medigap enrollment statistics

According to AHIP, more than 20% of Medicare beneficiaries in New York were also enrolled in a Medigap plan in 2015.

Certain Medigap plans are more popular than others. The chart below shows which plans are most popular in New York, according to AHIP.

Popularity ranking Plan Total enrollees in 2015
1 F 241,766
2 N 66,700
3 C 32,552
4 B 28,492
5 A 16,151
6 G 6,033
7 K 4,836
8 L 3,828
9 D 1,840
10 M 31
Old plans* 26,829
Pre-standardized** 7,133
*Plans no longer available for purchase, including Plans E, H, I, and J.**Pre-standardized plans are policies sold before July 1992.

Medicare Supplement Insurance plan pricing methods

Medigap pricing methods are important because they dictate how your premiums may increase in future years. There are three different pricing methods:

  • Attained-age rated: The premium increases as you age.
  • Issue-age rated: The premium is based on your age when you buy and it may increase due to inflation and other factors, but not due to your age.
  • Community rated: The same premium is charged to all Medigap policyholders.

The majority of Medigap plans in New York are attained-age rated, according to the Kaiser Family Foundation (KFF). 


Under-65 enrollment rules

Although Medicare Supplement insurance is primarily for senior citizens, it also covers disabled people and those with end-stage renal disease (ESRD). Each state’s insurance department dictates the rules governing Medicare beneficiaries under the age of 65.

According to the KFF, insurance companies selling Medigap plans in New York must offer at least one plan to under-65 Medicare beneficiaries who are disabled or have ESRD.

New York Medigap insurers cannot charge under-65 policyholders different premiums than their senior policyholders. Insurers must charge the same premium to all non-senior applicants. Unlike most states, New York has continuous Medigap open enrollment throughout the year for under-65 Medicare enrollees.

Learn more

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