Medigap plans in New York
We track the rules that matter when you compare or switch Medigap plans in New York: how premiums are rated, whether the state adds switching protections on top of the federal baseline, and whether carriers must sell to people under 65.
New York adds extra Medigap protections on top of the federal baseline. New York requires Medigap insurers to accept applicants year-round on a guaranteed-issue basis, with no medical underwriting.
New York Medigap rules at a glance
| Standardized plans | Federal Plan A-N (Plans C and F closed to those newly eligible on/after 2020-01-01) |
|---|---|
| Rating method | Community-rated |
| State switching rule | Year-round guaranteed issue |
| Under-65 access | State mandates carrier access |
Source: NAIC Medicare Supplement Insurance Model Regulation (#651) and the New York Department of Insurance. Always confirm current rules with your state DOI or SHIP before applying.
How pricing works in New York
New York requires community-rated Medigap pricing: everyone of the same plan in the same area pays the same premium regardless of age.
A community-rated plan charges the same monthly premium regardless of age. Issue-age plans lock your premium based on the age you bought in. Attained-age plans start lower in your 60s and rise as you get older. Over a 20-year horizon, the rating method usually matters more than the plan letter.
Switching Medigap plans in New York
Federal law gives you a 6-month Medigap Open Enrollment Period that starts the month your Part B begins. During that window any Medigap carrier in New York must sell to you with no medical underwriting. After it closes, federal guaranteed-issue rights only trigger in specific situations (for example, when your employer plan ends or a Medicare Advantage plan leaves your area).
New York requires Medigap insurers to accept applicants year-round on a guaranteed-issue basis, with no medical underwriting.
We walk through the federal switching mechanics in our guide on leaving Medicare Advantage, and compare the most popular Medigap plan letters in Plan G vs Plan N.
People under 65 in New York
New York mandates Medigap access for people under 65 on Medicare due to disability.
See our overview of Medicare on disability for how the 24-month waiting period and SSDI interact with state Medigap rules.
Frequently asked questions
- What Medigap plans are sold in New York?
- New York sells the standardized federal Medigap plans (Plan A through Plan N, with Plans C and F closed to people first eligible for Medicare on or after January 1, 2020).
- Can I switch Medigap plans in New York without medical underwriting?
- New York requires Medigap insurers to accept applicants year-round on a guaranteed-issue basis, with no medical underwriting.
- How are Medigap premiums priced in New York?
- New York requires community-rated Medigap pricing: everyone of the same plan in the same area pays the same premium regardless of age.
- Can people under 65 buy Medigap in New York?
- New York mandates Medigap access for people under 65 on Medicare due to disability.
Compare other states
Related guides
Confirm your Medigap window in New York
Your 6-month Medigap Open Enrollment Period is tied to your Part B effective date. We'll calculate it from your date of birth.
Educational resource. Not legal, tax, or insurance advice. Always confirm specifics with Medicare.gov, your State Health Insurance Assistance Program, or the New York Department of Insurance.