Updated July 2, 2026
New York operates under some of the strongest Medigap consumer protections in the country, and that shapes both what you can buy and what you will pay. Plan G runs around $181 per month here.
Things to Know About Medigap in New York
- Plan G in New York runs about $181 a month for a typical new enrollee, though age, sex, tobacco use and insurer all move that number.
- Every Plan G sold in New York covers the same federally standardized benefits, so price and rating method are what actually separate one carrier from another.
- Your 6 month Open Enrollment window in New York opens the month your Medicare Part B coverage starts, and no insurer can turn you down or charge more for health history during it.
- Miss that window in New York and carriers can medically underwrite new applications, which can mean a higher rate or a declined application.
How New York's rules affect Medigap pricing
Under New York State Department of Financial Services regulations, every Medigap insurer in the state must accept any applicant at any time: not just during the federal open enrollment window: and must use community rating, which means premiums cannot vary by age or health status. You pay the same rate as everyone else on the same plan. That protection raises baseline premiums compared with states that allow age-rated policies, but it also means a 75-year-old with health issues has the same access as a healthy 65-year-old. Because the coverage itself is federally standardized, the only thing left to compare across carriers is price. See the full breakdown in the Medigap cost calculator and review what each plan letter covers.
Enrolling in New York
The federal 6-month open enrollment window applies here as everywhere else: it begins when your Part B starts: but in New York that window is almost beside the point. Guaranteed issue year-round means you can switch plans or enroll at almost any time without facing medical underwriting. The open enrollment calculator still shows your federal window dates. Compare Medigap against Medicare Advantage in the Medigap vs Advantage calculator before you decide.
FAQs
How much does Medigap Plan G cost in New York?
Plan G premiums in New York run around $181 a month for most new enrollees, though your exact rate depends on your age, sex, tobacco use and the insurer you choose.
When can I enroll in Medigap in New York without medical underwriting?
Your 6 month Medigap Open Enrollment period in New York starts the month your Medicare Part B coverage begins, and no insurer can deny you or charge more based on health history during that window.