New York Plan N rate history
Lower premium than Plan G, with small copays at the point of care. This page tracks what Plan N carriers have filed with the New York insurance regulator and what those filings show about renewal increases.
What Plan N costs in New York
Plan N premiums in New York run from $297.00 to $501.23 per month across 5 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| AARP - United Healthcare Insurance Company Of New York | 65 | Community rated | $297.00/mo (unverified) |
| AARP - United Healthcare Insurance Company Of New York | 70 | Community rated | $297.00/mo (unverified) |
| Emblemhealth Plan, Inc. | 65 | Community rated | $314.77/mo (unverified) |
| Emblemhealth Plan, Inc. | 70 | Community rated | $314.77/mo (unverified) |
| Globe Life Insurance Company Of New York | 65 | Community rated | $450.00/mo (unverified) |
| Globe Life Insurance Company Of New York | 70 | Community rated | $450.00/mo (unverified) |
| Bankers Conseco Life Insurance Company | 65 | Community rated | $475.03/mo (unverified) |
| Bankers Conseco Life Insurance Company | 70 | Community rated | $475.03/mo (unverified) |
| Humana Insurance Company of New York | 65 | Community rated | $501.23/mo (unverified) |
| Humana Insurance Company of New York | 70 | Community rated | $501.23/mo (unverified) |
Filed rate actions
A rate action is the increase a carrier asked the state to approve on an existing block of Plan N policies. It is separate from the age increase built into an attained-age premium, and it is the number that tells you how a carrier has treated the people already holding the policy.
| Carrier | Effective | Filed change |
|---|---|---|
| Humana Insurance Company of New York | July 1, 2026 | +36.4% (unverified) |
| AARP - United Healthcare Insurance Company Of New York | January 1, 2026 | +9.9% (unverified) |
| Emblemhealth Plan, Inc. | January 1, 2026 | +19.2% (unverified) |
| Globe Life Insurance Company Of New York | January 1, 2026 | +25.4% (unverified) |
| Bankers Conseco Life Insurance Company | January 1, 2026 | -1.2% (unverified) |
Rates and approved increases change. Past rate increases do not predict future increases. Verify current pricing with the carrier or the issuing state's insurance department before making a decision.
What Plan N covers
Plan N covers the same ground as Plan G except that you pay the Part B deductible, a small copay for some office and emergency-room visits, and any Part B excess charges your provider bills. In states that prohibit excess charges, that last exposure disappears — which is why Plan N's value depends heavily on where you live.
With Plan N, you still pay:
- The Part B annual deductible
- A copay for some office and emergency-room visits
- Part B excess charges, where a state permits them
Benefits are standardized by federal law, so Plan N from one carrier pays the same claims as Plan N from another. Price, rate-increase history and service are what differ. That is the whole argument for reading filings.
Switching Plan N carriers in New York
State law requires any insurer writing Medigap in New York to accept an application at any time of year. Insurers may not decline you or make premium distinctions because of health status, claims experience or medical condition.
New York: year-round guaranteed issue. State rules change; confirm the current window with the New York insurance department or your SHIP counselor before you apply anywhere.