Consumers - Health Insurance: Medicare/Medigap Plans and Rates

Consumers - Health Insurance: Medicare/Medigap Plans and Rates
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Introduction - Medicare Supplement Insurance Rate Plans

The Rate Plan Tables on this page show:

  • the Regions across the Top Row;
  • the first three digits of the Zip Code across the Second Row;
  • the insurers' names down the first Column; and
  • the Monthly Premiums for March 1, 2026 are contained in the body of the Table.

NOTES:

  • Plans C, F and F+ are only available after January 1, 2020 to individuals who first become eligible for Medicare prior to January 1, 2020.
  • If a premium is shown within a region, that premium may be offered in a part or all of the region. For more details on your exact premium, contact the company or use the Medicare Supplement Rate Look-up Application on the DFS Portal.


March 2026 Premium Comparison Tables

Plan A

PLAN AALBANYBUFFALOLONG ISLANDMID-HUDSONNYC PROPERROCHESTERSYRACUSEUTICAWATERTOWNWESTCHESTER
FIRST THREE DIGITS OF ZIP CODE:120-23 & 128-29140-43 & 147110 & 115-19124-27100-04 & 111-14144-46130-32 & 137-39
& 148-49
133-35136105-109
Aetna Life Insurance$239.15$207.56 $229.67$318.21$264.47$318.21$207.56 $229.67$207.56 $229.67$207.56 $229.67$229.67$318.21
Bankers Conseco$328.18$285.56$413.53$328.18$413.53$285.56$285.56 
$328.18
$285.56$285.56$328.18 
$413.53
EmblemHealth Plan, Inc.$236.97 
$224.17
$224.17$248.96$236.97$248.96$224.17 
$231.74
$231.74 
$224.17 
$236.97
$224.17 
$236.97
$224.17$248.96 
$236.97
Excellus Health Plan, Inc. 
     (d/b/a Excellus BlueCross BlueShield)
$241.76  $241.76 $247.89 
$267.63 
$292.43
$241.76 
$247.89 
$267.63 
$292.43
$241.76$241.76 
Excellus Health Plan, Inc. 
     (d/b/a Univera Healthcare)
 $292.43   $247.89 
$267.63 
$292.43
$241.76 
$247.89 
$267.63 
$292.43
   
Globe Life Insurance  $279.00$279.00$335.00$279.00$335.00 
$375.00
$279.00$279.00$279.00$279.00$335.00
Highmark Western and Northeastern New York Inc. 
      (d/b/a Blue Cross/Blue Shield of WNY)
 $291.53   $291.53$291.53   
Highmark Western and Northeastern New York Inc. 
(d/b/a Blue Shield of NNY)
$282.50  $282.50      
Humana$237.54$237.54$348.00$237.54 
$294.64
$348.00$237.54$237.54$237.54$237.54$348.00
Mutual Of Omaha$264.29 
$279.37
$264.29 
$279.37
$351.72$279.37$351.72$264.29$264.29$264.29$264.29$279.37 
$351.72
Transamerica Financial$238.21$238.21$337.46$277.91$337.46$238.21$238.21$238.21$238.21$337.46
UnitedHealthcare 
   (AARP Program)
$192.75 
$203.00
$192.75$223.00$203.00$223.00$192.75$192.75 
$203.00
$192.75 
$203.00
$192.75$203.00 
$223.00

Plan B

PLAN BALBANYBUFFALOLONG ISLANDMID-HUDSONNYC PROPERROCHESTERSYRACUSEUTICAWATERTOWNWESTCHESTER
FIRST THREE DIGITS OF ZIP CODE:120-23 & 128-29140-43 & 147110 & 115-19124-27100-04 & 111-14144-46130-32 & 137-39
& 148-49
133-35136105-109
Aetna Life Insurance$272.33$236.31 
$261.52
$362.44$301.19$362.44$236.31 
$261.52
$236.31 
$261.52
$236.31 
$261.52
$261.52$362.44
Bankers Conseco$536.45$466.68$676.14$536.45$676.14$466.68$466.68 
$536.45
$466.68$466.68$536.45 
$676.14
EmblemHealth Plan, Inc.$329.36 
$311.63
$311.63$344.07$329.36$344.07$311.63 
$322.11
$322.11 
$311.63 
$329.36
$311.63 
$329.36
$311.63$344.07 
$329.36
Excellus Health Plan, Inc. 
     (d/b/a Excellus BlueCross BlueShield)
$343.54  $343.54 $352.24 
$380.30 
$415.53
$343.54 
$352.24 
$380.30 
$415.53
$343.54$343.54 
Excellus Health Plan, Inc. 
     (d/b/a Univera Healthcare)
 $415.53   $352.24 
$380.30 
$415.53
$343.54 
$352.24 
$380.30 
$415.53
   
Globe Life Insurance      $375.00$375.00$449.00$375.00$449.00 
$503.00
$375.00$375.00$375.00$375.00$449.00
Highmark Western and Northeastern New York Inc. 
(d/b/a Blue Cross/Blue Shield of WNY)
 $221.99   $221.99$221.99   
Highmark Western and Northeastern New York Inc. 
(d/b/a Blue Shield of NNY)
$232.31  $232.31      
Humana$268.11$268.11$392.90$268.11 
$332.61
$392.90$268.11$268.11$268.11$268.11$392.90
Mutual Of Omaha$384.69 
$406.68
$384.69 
$406.68
$512.25$406.68$512.25$384.69$384.69$384.69$384.69$406.68 
$512.25
Transamerica Financial$287.22$287.22$406.90$335.09$406.90$287.22$287.22$287.22$287.22$406.90
UnitedHealthcare 
   (AARP Program)
$279.25 
$294.00
$279.25$323.00$294.00$323.00$279.25$279.25 
$294.00
$279.25 
$294.00
$279.25$294.00 
$323.00

Plan C

PLAN C*ALBANYBUFFALOLONG ISLANDMID-HUDSONNYC PROPERROCHESTERSYRACUSEUTICAWATERTOWNWESTCHESTER
FIRST THREE DIGITS OF ZIP CODE:120-23 & 128-29140-43 & 147110 & 115-19124-27100-04 & 111-14144-46130-32 & 137-39
& 148-49
133-35136105-109
Excellus Health Plan, Inc.
(d/b/a Excellus BlueCross BlueShield)
$384.73  $384.73 $394.48 
$425.90 
$465.34
$384.73 
$394.48 
$425.90 
$465.34
$384.73$384.73 
Excellus Health Plan, Inc. 
(d/b/a Univera Healthcare)
 $465.34   $394.48 
$425.90 
$465.34
$384.73 
$394.48 
$425.90 
$465.34
   
Globe Life Insurance  $416.00$416.00$500.00$416.00$500.00 
$560.00
$416.00$416.00$416.00$416.00$500.00
Highmark Western and Northeastern New York Inc. 
(d/b/a Blue Cross/Blue Shield of WNY)
 $275.80   $275.80$275.80   
Highmark Western and Northeastern New York Inc. 
(d/b/a Blue Shield of NNY)
$290.39  $290.39      
Humana$360.62$360.62$528.79$360.62 
$447.55
$528.79$360.62$360.62$360.62$360.62$528.79
Mutual Of Omaha$385.11 
$407.13
$385.11 
$407.13
$512.82$407.13$512.82$385.11$385.11$385.11$385.11$407.13 
$512.82
Transamerica Financial$372.11$372.11$527.16$434.13$527.16$372.11$372.11$372.11$372.11$527.16
UnitedHealthcare 
(AARP Program)
$389.50 
$399.50
$389.50$443.00$399.50$443.00$389.50$389.50 
$399.50
$389.50 
$399.50
$389.50$399.50 
$443.00

Plan D

PLAN DALBANYBUFFALOLONG ISLANDMID-HUDSONNYC PROPERROCHESTERSYRACUSEUTICAWATERTOWNWESTCHESTER
FIRST THREE DIGITS OF ZIP CODE:120-23 & 128-29140-43 & 147110 & 115-19124-27100-04 & 111-14144-46130-32 & 137-39
& 148-49
133-35136105-109
Excellus Health Plan, Inc.      (d/b/a Excellus BlueCross BlueShield)$481.14  $481.14 $481.14$481.14$481.14$481.14 
Excellus Health Plan, Inc.      (d/b/a Univera Healthcare) $481.14   $481.14$481.14   
Globe Life Insurance  $410.00$410.00$492.00$410.00$492.00 
$552.00
$410.00$410.00$410.00$410.00$492.00
Mutual Of Omaha$404.77
$427.92
$404.77
$427.92
$539.03$427.92$539.03$404.77$404.77$404.77$404.77$427.92
$539.03
Transamerica Financial$341.94$341.94$484.41$398.93$484.41$341.94$341.94$341.94$341.94$484.41

Plan F*

PLAN F*ALBANYBUFFALOLONG ISLANDMID-HUDSONNYC PROPERROCHESTERSYRACUSEUTICAWATERTOWNWESTCHESTER
FIRST THREE DIGITS OF ZIP CODE:120-23 & 128-29140-43 & 147110 & 115-19124-27100-04 & 111-14144-46130-32 & 137-39
& 148-49
133-35136105-109
Aetna Life Insurance$317.67$275.61 
$305.05
$422.90$351.38$422.90$275.61 
$305.05
$275.61 
$305.05
$275.61 
$305.05
$305.05$422.90
Bankers Conseco$723.15$630.06$912.98$723.15$912.98$630.06$630.06 
$723.15
$630.06$630.06$723.15 
$912.98
  EmblemHealth Plan, Inc.$727.67 
$688.30
$688.30$758.71$727.67$758.71$688.30 
$711.35
$688.30 
$711.35 
$727.67
$688.30 
$727.67
$688.30$758.71 
$727.67
Excellus Health Plan, Inc. 
   (d/b/a Excellus BlueCross BlueShield)
$454.03  $454.03 $465.56 
$502.65 
$549.18
$454.03 
$465.56 
$502.65 
$549.18
$454.03$454.03 
Excellus Health Plan, Inc. 
   (d/b/a Univera Healthcare)
 $549.18   $465.56 
$502.65 
$549.18
$454.03 
$465.56 
$502.65 
$549.18
   
Globe Life Insurance       $472.00$472.00$566.00$472.00$566.00 
$634.00
$472.00$472.00$472.00$472.00$566.00
Highmark Western and Northeastern New York Inc. 
(d/b/a Blue Cross/Blue Shield of WNY)
 $749.55   $749.55$749.55   
Highmark Western and Northeastern New York Inc. 
(d/b/a Blue Shield of NNY)
$679.15  $679.15      
Humana$367.93$367.93$539.53$367.93 
$456.62
$539.53$367.93$367.93$367.93$367.93$539.53
Mutual Of Omaha$387.61 
$409.78
$387.61 
$409.78
$516.15$409.78$516.15$387.61$387.61$387.61$387.61$409.78 
$516.15
Transamerica Financial$374.27$374.27$530.22$436.65$530.22$374.27$374.27$374.27$374.27$530.22
UnitedHealthcare 
   (AARP Program)
$385.00 
$378.00
$385.00$419.00$378.00$419.00$385.00$385.00 
$378.00
$385.00 
$378.00
$385.00$378.00 
$419.00

Plan F+

PLAN F+ (HIGH DEDUCTIBLE)ALBANYBUFFALOLONG ISLANDMID-HUDSONNYC PROPERROCHESTERSYRACUSEUTICAWATERTOWNWESTCHESTER
FIRST THREE DIGITS OF ZIP CODE:120-23 & 128-29140-43 & 147110 & 115-19124-27100-04 & 111-14144-46130-32 & 137-39
& 148-49
133-35136105-109
Bankers Conseco$60.25$52.53$75.69$60.25$75.69$52.53$52.53 
$60.25
$52.53$52.53$60.25 
$75.69
EmblemHealth Plan, Inc.$85.20
$80.59
$80.40$88.23$85.20$88.23$80.59
$80.40
$83.29
$83.29
$80.40
$85.20
$80.59
$80.59
$85.20
$80.59$88.23
$85.20
Excellus Health Plan, Inc. 
   (d/b/a Excellus BlueCross BlueShield)
$87.21  $87.21 $87.21$87.21$87.21$87.21 
Excellus Health Plan, Inc. 
  (d/b/a Univera Healthcare)
 $87.21   $87.21$87.21   
Globe Life Insurance      $115.00$115.00$137.00$115.00$137.00 
$154.00
$115.00$115.00$115.00$115.00$137.00
Highmark Western and Northeastern New York Inc. 
(d/b/a Blue Cross/Blue Shield of WNY)
 $154.35   $154.35$154.35   
Highmark Western and Northeastern New York Inc. 
(d/b/a Blue Shield of NNY)
$125.05  $125.05      
Humana$81.27$81.27$118.44$81.27 
$100.48
$118.44$81.27$81.27$81.27$81.27$118.44

Plan G

PLAN GALBANYBUFFALOLONG ISLANDMID-HUDSONNYC PROPERROCHESTERSYRACUSEUTICAWATERTOWNWESTCHESTER
FIRST THREE DIGITS OF ZIP CODE:120-23 & 128-29140-43 & 147110 & 115-19124-27100-04 & 111-14144-46130-32 & 137-39
& 148-49
133-35136105-109
Aetna Life Insurance$305.19$264.80 
$293.07
$406.26$337.56$406.26$264.80 
$293.07
$264.80 
$293.07
$264.80 
$293.07
$293.07$406.26
Bankers Conseco$666.60$579.94$840.28$666.60$840.28$579.94$579.94 
$666.60
$579.94$579.94$666.60 
$840.28
EmblemHealth Plan, Inc.$417.27 
$394.69
$393.72$432.09$417.27$432.09$394.69 
$393.72 
$407.90
$407.90 
$393.72 
$417.27 
$394.69
$394.69 
$417.27
$394.69$432.09 
$417.27
Excellus Health Plan, Inc. 
     (d/b/a Excellus BlueCross BlueShield)
$477.04  $477.04 $477.04$477.04$477.04$477.04 
Excellus Health Plan, Inc. 
     (d/b/a Univera Healthcare)
 $477.04   $477.04$477.04   
Globe Life Insurance $384.00$384.00$461.00$384.00$461.00 
$516.00
$384.00$384.00$384.00$384.00$461.00
Highmark Western and Northeastern New York Inc. 
(d/b/a Blue Cross/Blue Shield of WNY)
 $497.43   $497.43$497.43   
Highmark Western and Northeastern New York Inc. 
(d/b/a Blue Shield of NNY)
$492.20  $492.20      
Humana$441.28$441.28$647.27$441.28 
$547.75
$647.27$441.28$441.28$441.28$441.28$647.27
Mutual Of Omaha$384.02 
$405.98
$384.02 
$405.98
$511.36$405.98$511.36$384.02$384.02$384.02$384.02$405.98 
$511.36
Transamerica Financial$314.00$314.00$444.83$366.33$444.83$314.00$314.00$314.00$314.00$444.83
UnitedHealthcare 
   (AARP Program)
$342.50 
$336.25
$342.50$372.50$336.25$372.50$342.50$342.50 
$336.25
$342.50 
$336.25
$342.50$336.25 
$372.50

Plan G+

PLAN G+ (HIGH DEDUCTIBLE)ALBANYBUFFALOLONG ISLANDMID-HUDSONNYC PROPERROCHESTERSYRACUSEUTICAWATERTOWNWESTCHESTER
FIRST THREE DIGITS OF ZIP CODE:120-23 & 128-29140-43 & 147110 & 115-19124-27100-04 & 111-14144-46130-32 & 137-39
& 148-49
133-35136105-109
Bankers Conseco$60.25$52.53$75.69$60.25$75.69$52.53$52.53 
$60.25
$52.53$52.53$60.25 
$75.69
EmblemHealth Plan, Inc.$65.36 
$61.83
$61.67$67.69$65.36$67.69$61.83 
$61.67 
$63.90
$63.90 
$61.67 
$65.36 
$61.83
$61.83 
$65.36
$61.83$67.69 
$65.36
Excellus Health Plan, Inc. 
   (d/b/a Excellus BlueCross BlueShield)
$85.00  $85.00 $85.00$85.00$85.00$85.00 
Excellus Health Plan, Inc. 
  (d/b/a Univera Healthcare)
 $85.00   $85.00$85.00   
Globe Life Insurance      $76.00$76.00$91.00$76.00$91.00 
$102.00
$76.00$76.00$76.00$76.00$91.00
Humana$76.33$76.33$111.19$76.33 
$94.35
$111.19$76.33$76.33$76.33$76.33$111.19

Plan K

PLAN KALBANYBUFFALOLONG ISLANDMID-HUDSONNYC PROPERROCHESTERSYRACUSEUTICAWATERTOWNWESTCHESTER
FIRST THREE DIGITS OF ZIP CODE:120-23 & 128-29140-43 & 147110 & 115-19124-27100-04 & 111-14144-46130-32 & 137-39
& 148-49
133-35136105-109
Bankers Conseco$111.20$96.86$139.97$111.20$139.97$96.86$96.86 
$111.20
$96.86$96.86$111.20 
$139.97
Globe Life Insurance          $146.00$146.00$175.00$146.00$175.00
$196.00
$146.00$146.00$146.00$146.00$175.00
Humana$155.00$155.00$226.75$155.00 
$192.09
$226.75$155.00$155.00$155.00$155.00$226.75
Transamerica Financial$171.38$171.38$242.79$199.95$242.79$171.38$171.38$171.38$171.38$242.79
UnitedHealthcare 
(AARP Program)
$98.25 
$103.50
$98.25$113.75$103.50$113.75$98.25$98.25 
$103.50
$98.25 
$103.50
$98.25$103.50 
$113.75

Plan L

PLAN LALBANYBUFFALOLONG ISLANDMID-HUDSONNYC PROPERROCHESTERSYRACUSEUTICAWATERTOWNWESTCHESTER
FIRST THREE DIGITS OF ZIP CODE:120-23 & 128-29140-43 & 147110 & 115-19124-27100-04 & 111-14144-46130-32 & 137-39
& 148-49
133-35136105-109
Bankers Conseco$255.94$222.73$322.45$255.94$322.45$222.73$222.73 
$255.94
$222.73$222.73$255.94 
$322.45
Globe Life Insurance           $259.00$259.00$311.00$259.00$311.00
$348.00
$259.00$259.00$259.00$259.00$311.00
Humana$221.16$221.16$323.93$221.16 
$274.28
$323.93$221.16$221.16$221.16$221.16$323.93
Transamerica Financial$254.40$254.40$360.41$296.80$360.41$254.40$254.40$254.40$254.40$360.41
UnitedHealthcare 
(AARP Program)
$199.50 
$210.00
$199.50$230.75$210.00$230.75$199.50$199.50 
$210.00
$199.50 
$210.00
$199.50$210.00 
$230.75

Plan M

PLAN MALBANYBUFFALOLONG ISLANDMID-HUDSONNYC PROPERROCHESTERSYRACUSEUTICAWATERTOWNWESTCHESTER
FIRST THREE DIGITS OF ZIP CODE:120-23 & 128-29140-43 & 147110 & 115-19124-27100-04 & 111-14144-46130-32 & 137-39
& 148-49
133-35136105-109
Bankers Conseco$354.44$308.38$446.64$354.44$446.64$308.38$308.38 
$354.44
$308.38$308.38$354.44 
$446.64
Mutual Of Omaha$395.08
$417.67
$395.08
$417.67
$526.10$417.67$526.10$395.08$395.08$395.08$395.08$417.67
$526.10
Transamerica Financial$313.26$313.26$443.79$365.47$443.79$313.26$313.26$313.26$313.26$443.79

Plan N

PLAN NALBANYBUFFALOLONG ISLANDMID-HUDSONNYC PROPERROCHESTERSYRACUSEUTICAWATERTOWNWESTCHESTER
FIRST THREE DIGITS OF ZIP CODE:120-23 & 128-29140-43 & 147110 & 115-19124-27100-04 & 111-14144-46130-32 & 137-39
& 148-49
133-35136105-109
Bankers Conseco$415.40$361.44$523.54$415.40$523.54$361.44$361.44 
$415.40
$361.44$361.44$415.40 
$523.54
EmblemHealth Plan, Inc.$303.96 
$287.51
$286.81$314.77$303.96$314.77$287.51 
$286.81 
$297.14
$297.14 
$286.81 
$303.96 
$287.51
$287.51 
$303.96
$287.51$314.77 
$303.96
Excellus Health Plan, Inc. 
   (d/b/a Excellus BlueCross BlueShield)
$481.97  $481.97 $494.20 
$533.49 
$582.93
$481.97 
$494.20 
$533.49 
$582.93
$481.97$481.97 
Excellus Health Plan, Inc. 
  (d/b/a Univera Healthcare)
 $582.93   $494.20 
$533.49 
$582.93
$481.97 
$494.20 
$533.49 
$582.93
   
Globe Life Insurance          $375.00$375.00$450.00$375.00$450.00 
$504.00
$375.00$375.00$375.00$375.00$450.00
Highmark Western and Northeastern New York Inc. 
(d/b/a Blue Cross/Blue Shield of WNY)
 $318.24   $318.24$318.24   
Highmark Western and Northeastern New York Inc. 
(d/b/a Blue Shield of NNY)
$321.82  $321.82      
Humana$312.99$312.99$458.83$312.99 
$388.38
$458.83$312.99$312.99$312.99$312.99$458.83
Transamerica Financial$294.57$294.57$417.31$343.67$417.31$294.57$294.57$294.57$294.57$417.31
UnitedHealthcare 
(AARP Program)
$269.00 
$279.25
$269.00$299.00$279.25$299.00$269.00$269.00 
$279.25
$269.00 
$279.25
$269.00$279.25 
$299.00