NHNHQualityCampaign
Rankings 2026

Best Medicare Plans in New York

Methodology

Based on NY's unique community-rating and excess-charge rules.

Our Rankings

  1. #1 — United Healthcare Plan N
    Lower-premium option since NY bans excess charges (a major Plan N advantage lost).
  2. #2 — Mutual of Omaha Plan G
    Best rate stability in NY's high-premium market.
  3. #3 — Empire BCBS Medicare Advantage
    Strong NYC-area network.
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Related

Editorial disclosure: We may receive compensation when readers request quotes through our partners. Not affiliated with or endorsed by the U.S. government or the federal Medicare program.

Frequently Asked Questions

How did NHQualityCampaign pick these?+
Based on NY's unique community-rating and excess-charge rules.
Are these recommendations paid?+
We may receive compensation when readers request quotes through affiliate partners. Rankings reflect independent editorial evaluation and are not influenced by payment.
Do rankings change?+
Yes. We update rankings at least annually, or sooner when major plan or carrier changes occur.
Should I rely only on rankings?+
No — rankings are a starting point. Your state, ZIP, doctors, and drug list determine the right plan for you. Always compare with Medicare.gov Plan Finder.