Medicare Plans in
New York — 2026
218 Medicare Advantage plans are available in New York for 2026. Furthermore, you can compare every plan in your ZIP code for free and find the one that saves you the most money.
Find NY plans in your area
Licensed NY agents available Mon–Fri 8am–7pm • No obligation
All 62 counties
Medicare is available in every county in New York
Click any county on the map to jump directly to its Medicare plan details below.
Hover over a county to see its name • Click any county to view Medicare plans for that county
New York coverage options
Which Medicare plan is right
for New Yorkers?
New York has one of the strongest Medicare markets in the country. As a result, you have more plan choices here than in most other states. Here are the three main plan types available to you.
Medicare Advantage
218 plans available in NY for 2026. In fact, all NY residents with Medicare can access at least one $0 premium plan.
- Includes Parts A, B and usually Part D
- Dental, vision and hearing included
- Free monthly OTC supplement allowance
- $0 premium plans in every NY county
- UnitedHealth, Aetna, Humana and more
Medigap Supplement
10 Medigap plan types available in New York. Moreover, NY has extra protections — insurers must offer Medigap year-round.
- See any doctor who accepts Medicare
- No surprise out-of-pocket bills
- NY law: guaranteed issue all year
- Guaranteed renewable for life
- Coverage when traveling abroad
Part D — Drug Plans
10 stand-alone Part D drug plans available in New York for 2026. Therefore, compare by your specific medications to find the best fit.
- Covers brand name and generic drugs
- Find plans covering your medications
- Low or $0 deductible plans available
- Can be bundled with Advantage or added separately
New York Medicare facts
What makes New York Medicare different
New York has some of the strongest consumer protections for Medicare enrollees in the country. Furthermore, these protections apply regardless of your age or health status. Here is what you need to know.
New York Medigap protections
- NY law requires insurers to sell Medigap plans year-round — not just during open enrollment
- Insurers cannot deny you coverage due to pre-existing conditions in New York
- Community rating applies — your premium cannot be based on your age or health
- This makes New York one of the best states in the country for Medigap coverage
Medicare Advantage in New York
- Over 53% of NY Medicare beneficiaries are enrolled in Medicare Advantage
- 26 to 54 plans available depending on your NY county
- Erie County has the most choices — 54 plans available in 2026
- Many plans include free dental, vision, hearing and OTC supplement allowances
Financial Help & Free Counseling
NY Medicare Savings Programs
- Low-income New Yorkers may qualify for help paying Medicare premiums and costs
- Qualified Medicare Beneficiary (QMB) — covers Part A and B premiums and cost-sharing
- Specified Low-Income Medicare Beneficiary (SLMB) — covers Part B premiums
- Apply through your local NY Medicaid office or Department of Social Services
Free NY Medicare counseling
- HIICAP (Health Insurance Information, Counseling and Assistance Program) provides free, unbiased Medicare counseling across New York State
- Call 1-800-701-0501 to speak with a HIICAP counselor at no charge
- Our licensed agents are also available free of charge to compare plans in your ZIP code
Key dates
New York Medicare enrollment dates for 2026
Missing your enrollment window can result in permanent penalties. Therefore, knowing these key dates is essential for every New York senior.
| Enrollment period | Dates | What you can do |
|---|---|---|
| Initial Enrollment Period (IEP) | 3 months before your 65th birthday through 3 months after | Sign up for Medicare Parts A and B for the first time. Best time to enroll — no penalties. |
| Annual Enrollment Period (AEP) | October 15 – December 7, 2026 | Switch Medicare Advantage plans, add or drop Part D drug coverage. Changes start January 1. |
| Medicare Advantage Open Enrollment | January 1 – March 31, 2026 | Switch Medicare Advantage plans or return to Original Medicare. One change allowed. |
| Special Enrollment Period (SEP) | Triggered by qualifying life events | Available if you lose employer coverage, move, or your plan leaves your area. |
| General Enrollment Period | January 1 – March 31 each year | Sign up if you missed your IEP. Coverage starts July 1. Late penalties may apply. |
Common questions
New York Medicare — frequently asked questions
Below are answers to the questions New York seniors ask us most often.
All 62 New York counties
Find Medicare Plans in Your County
Every New York county has Medicare Advantage, Medigap, and Part D options. Moreover, comparison is completely free. Find your county below and compare plans at no cost.
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Compare New York Medicare plans — free
Find every Medicare plan available in your New York ZIP code and enroll in minutes. Furthermore, licensed NY agents are standing by at no charge to guide you.