Medigap rates in the Albany region
The New York Department of Financial Services publishes every carrier's community rate for every plan letter, by region. Here is the Albany region — ZIP codes starting 120–123 and 128–129, which covers Saratoga, Albany, Schenectady and Rensselaer counties — for the three plans almost everyone chooses between.
In the Albany rating region, Plan G runs from about $305 to $667 a month depending on carrier, Plan N from about $269 to $482, and high-deductible Plan G from about $60 to $90 — for the same standardized coverage, because New York community-rates Medigap and every carrier must accept you in any month. The table below is the state's own comparison, in effect October 1, 2026.
Monthly premiums, Albany region
Premiums in effect October 1, 2026, from the DFS comparison table. Same plan letter, same coverage, different price. Where a carrier shows two figures, DFS lists both for the region and your ZIP code decides which applies.
| Carrier | Plan G | High-deductible Plan G | Plan N |
|---|---|---|---|
| Aetna Life Insurance | $305.19 | — | — |
| Bankers Conseco | $666.60 | $60.25 | $415.40 |
| EmblemHealth Plan, Inc. | $394.69 or $417.27 | $61.83 or $65.36 | $287.51 or $303.96 |
| Excellus Health Plan (Excellus BlueCross BlueShield) | $477.04 | $85.00 | $481.97 |
| Globe Life Insurance | $384.00 | $76.00 | $375.00 |
| Highmark Western and Northeastern New York (Blue Shield of NNY) | $492.20 | — | $321.82 |
| Humana | $601.17 | $90.31 | $426.20 |
| Mutual of Omaha | $384.02 or $405.98 | — | — |
| UnitedHealthcare (AARP program) | $336.25 or $342.50 | — | $269.00 or $279.25 |
"—" means the carrier doesn't file that plan for the Albany region. Plans A, B, D, K and L, and Plans C and F for people eligible before 2020, are in the full DFS table; what each letter covers is on Medigap plans in New York. High-deductible Plan G carries a $2,950 yearly deductible in 2026 before the plan pays.
2027: carriers have begun filing next year's rate requests with DFS; UnitedHealthcare's posted request for the AARP plans asks for 11.6% to 13.5% on the standardized plans from January 1, 2027, subject to DFS approval. Requests are not rates. This table changes only when DFS publishes approved premiums; what to do when your Medigap premium goes up covers the options.
How to read it
- Plan G pays everything Original Medicare leaves except the Part B deductible ($283 in 2026). The spread here is more than $360 a month for identical coverage.
- Plan N is Plan G minus up-to-$20 office and up-to-$50 ER copays, and without excess-charge coverage — which New York caps at 5% anyway. The G vs N guide works through whether the copays are worth the saving.
- High-deductible Plan G is Plan G behind a $2,950 deductible. At $60–$90 a month it suits people who want catastrophic protection and can absorb a bad year.
- Community rating means these are the rates for everyone — a 65-year-old and an 85-year-old pay the same. There is no age band to grow into.
- Any month, no health questions. New York requires every carrier to accept you year-round. If your carrier's rate climbs, the table shows what a move would save; the premium-increase guide covers the switch.
Add Part B and Part D
Whatever you pick here sits on top of the Part B premium ($202.90 a month in 2026 for most people) and a separate Part D plan. The lowest Plan N here plus Part B comes to about $472 a month before drug coverage; the lowest Plan G, about $508. Compare that to a $0-premium Advantage plan with an in-network maximum out-of-pocket that can reach $9,850 in 2027 and ask which year you'd rather budget for.
Getting an exact quote
The DFS rate look-up gives the premium for your exact ZIP code and every carrier. I quote the carriers I'm appointed with, show their rate history, and handle the application — including the timing if you're leaving a Medicare Advantage plan. Ask for Medigap quotes or pick a time for a call.
- Comparison of 2026 community-rated Medicare Supplement monthly premiums, in effect October 1, 2026 (NY DFS) — Albany-region column, all carriers
- Medicare Supplement rate look-up by ZIP code (NY DFS) — exact premium for your ZIP
- Why premium rates change: 2027 New York rate request for AARP Medicare Supplement plans (UnitedHealthcare Insurance Company of New York) — requested, not approved; read September 21, 2026, still proposed on October 15, 2026
- File a complaint (NY DFS) — complaints about an insurance company; read October 14, 2026
- Protections for Medicare beneficiaries residing in New York (NY DFS) — community rating, year-round acceptance
- Medigap high-deductible amounts (CMS) — $2,950 deductible for 2026
We do not offer every plan available in your area. Currently we represent 10 organizations which offer 81 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. 1-800-MEDICARE (TTY 1-877-486-2048) is available 24 hours a day, 7 days a week. Insurers' legal names and home offices: carriers page.
Common questions
Short answers to what people ask before they call.
Still have a question? Call (518) 902-8822 or book a call.
Which Medigap company is best in New York?
No company is best for everyone, and the coverage isn't what differs: each plan letter is standardized, so a Plan G pays the same benefits whichever carrier sells it, which leaves three things to compare. Price: the DFS table on this page lists every carrier's premium for the Albany region. Rate history: ask each carrier how its premium for your plan letter has changed over the last few years, and look at earlier DFS comparison tables, which DFS republishes several times a year as rates change. Service: ask how claims and customer questions are handled; a complaint about any New York insurer goes to the Department of Financial Services.
Why does the same Plan G cost $305 at one carrier and $667 at another?
Because the coverage is fixed by law and the price isn't. A Plan G pays exactly the same benefits from any carrier, so the premium difference is the carrier's own pricing, claims experience and overhead. That's why the comparison is worth an hour: you are choosing a price and a company's rate history, not a different product.
Is the cheapest carrier the right one?
Often, but look at two more things: how the carrier's rate has moved over the last few years (a low introductory rate can climb), and how it handles claims and service. In New York you can move to another carrier in any month with no health questions, so a wrong choice is fixable, but nobody enjoys switching every year.
Why are two premiums shown for some carriers?
The DFS table lists more than one premium where a carrier prices parts of the region differently. Which one applies depends on your exact ZIP code; the DFS look-up tool, or a quote, resolves it.
Are these the carriers you sell?
Not all of them. I quote the ones I'm appointed with and show you where they fall in this table. If a carrier I don't represent is meaningfully cheaper for you, I'll say so — you can buy Medigap directly from any of them.
How often do these change?
DFS republishes the comparison several times a year as carriers file rate changes; the most recent one is linked under Sources. I update this page when a new table appears. Your own premium changes only when your carrier files a new community rate, and you'll get written notice.
Want a note before the next enrollment window?
One email a few days before each Medicare enrollment window opens — Annual Enrollment in October, Advantage Open Enrollment in January — with the dates and what to have ready. Nothing else, ever; reply "stop" to come off the list.
Get these plans quoted for your ZIP
I'll quote Plan G, Plan N and high-deductible G from the carriers I represent, show you where they sit in this table, and say if a cheaper one isn't among them.