Affordable Health Insurance in New York: Compare 2026 Plans
ACA Marketplace (Obamacare) plans in New York compared on premium, plus the lowest-premium Bronze options and APTC subsidy estimates. Plans are displayed based on NY State of Health plan data, not broker recommendations or paid placements.
What is the best health insurance in New York?
There is no single best ACA health insurance plan in New York (NY); what a plan costs you depends on your doctors, prescriptions, and expected medical use, not just premium. 54 ACA plans are currently available. Policymage does not recommend plans. It compares plans on premium, deductible, and network type, plus official quality ratings where the marketplace publishes them, using marketplace plan data priced near New York.
Last updated: October 10, 2026 · Source: Official Marketplace Data · How we calculate this
Official quality ratings are not in the NY State of Health plan data we use, so plans here are compared on premium, deductible and out-of-pocket maximum. Policymage is an independent comparison site, not the official Marketplace and not a licensed insurance broker. We display data, not recommendations. You enroll on NY State of Health. Prices reflect a 30-year-old near New York, NY before subsidies, at 2026 rates.
$870/mo
Avg Bronze Premium
15
Insurers Statewide
54
Plans Listed
NY State of Health
Exchange Type
Health Insurance Carriers in New York
Lowest Available Premium
$647.29/mo
Bronze plan · 30-year-old near New York · before subsidies
Under 30: Catastrophic from $275.06/mo
Avg Bronze Plan
$870/mo
11 plans in New York
Avg Silver Plan
$1127/mo
Eligible for CSR cost reductions
Plans by Category
Each card shows the plan that comes first on the stated measure for a sample 30-year-old. These are sorts, not recommendations. From the 19 lowest-premium plans near New York · 2026 premiums · 30-year-old, before subsidies · quality ratings are not in the NY State of Health plan data, so categories that need them are not shown
Lowest Premium + OOP Max
Lowest yearly worst case: 12 months of premium plus the out-of-pocket max
Lowest Premium with Child Dental
Lowest premium with children's dental coverage included
Lowest-Premium HSA Plan
Lowest monthly premium among HSA-eligible plans
Lowest Premium
Lowest monthly premium for a 30-year-old
Ambetter from Fidelis Care Bronze HSA, Fidelis Care HBX Network, Free Telemedicine Program, Pediatric Dental
Fidelis Care
$647.29/mo
Ded: $5,500
OOP: $8,050
Plans in New York by Premium
Sorted by monthly premium · Prices near New York · 2026 premiums · 30-year-old, no subsidies
Ambetter from Fidelis Care Catastrophic, Fidelis Care HBX Network, Free Telemedicine Program, Pediatric Dental
Fidelis Care
$275.06/mo
Ded: $10,600
Healthfirst Green Leaf, Catastrophic, Pediatric Dental, Fitness & Wellness Rewards, PCP 3
Healthfirst
$476.07/mo
Ded: $10,600
Ambetter from Fidelis Care Bronze HSA, Fidelis Care HBX Network, Free Telemedicine Program, Pediatric Dental
Fidelis Care
$647.29/mo
Ded: $5,500
Ambetter from Fidelis Care Bronze, Fidelis Care HBX Network, Free Telemedicine Program, Pediatric Dental
Fidelis Care
$668.89/mo
Ded: $4,125
Healthfirst Bronze Leaf, Pediatric Dental, Fitness & Wellness Rewards, PCP 3
Healthfirst
$771.75/mo
Ded: $4,125
BronzePlus-B1, Pediatric Dental, Metro-MP
MetroPlus Health Plan
$784.51/mo
Ded: $4,125
Healthfirst Bronze Leaf Premier, Family Dental, Family Vision, Telemedicine, Fitness & Wellness Rewards
Healthfirst
$798.57/mo
Ded: $5,000
Anthem Gatekeeper X, Bronze, Individual Network, Pediatric Dental
Anthem Blue Cross and Blue Shield
$805.30/mo
Ded: $4,125
Ambetter from Fidelis Care Silver One, Fidelis Care HBX Network, Free Telemedicine Program, Family Dental
Fidelis Care
$806.61/mo
Ded: $4,500
BronzePlus-B1, Pediatric Dental, Dependents to age 29, Metro-MP
MetroPlus Health Plan
$808.52/mo
Ded: N/A
Official quality ratings are not in the NY State of Health plan data, so this list is not a ranking. Premiums are estimated for a 30-year-old near New York without subsidies. Catastrophic plans are only for people under 30 or with a hardship exemption. Your actual options and prices vary by ZIP code, age, and household income. See results for your details →
APTC Subsidy Income Thresholds (2026)
Based on Federal Poverty Level (FPL) guidelines. Your subsidy eligibility depends on your exact household size and income.
| Household Size | 100% FPL (Medicaid min) | 138% FPL (Medicaid max) | 250% FPL (CSR eligible) | 400% FPL (APTC range) |
|---|---|---|---|---|
| 1 person | $15,960 | $22,025 | $39,900 | $63,840 |
| 2 people | $21,640 | $29,863 | $54,100 | $86,560 |
| 3 people | $27,320 | $37,702 | $68,300 | $109,280 |
| 4 people | $33,000 | $45,540 | $82,500 | $132,000 |
Thresholds are for the 48 contiguous states. Alaska and Hawaii have higher FPL amounts. The enhanced subsidies that removed the income cap expired after 2025, so households above 400% FPL no longer qualify for premium tax credits.
Lowest-Cost Plans Available in New York
Bronze and Catastrophic plans near New York, NY · 30-year-old · 2026 premiums · Before subsidies · Catastrophic is for under-30s or a hardship exemption
Ambetter from Fidelis Care Catastrophic, Fidelis Care HBX Network, Free Telemedicine Program, Pediatric Dental
Fidelis Care
$275.06/mo
Ded: $10,600
Healthfirst Green Leaf, Catastrophic, Pediatric Dental, Fitness & Wellness Rewards, PCP 3
Healthfirst
$476.07/mo
Ded: $10,600
Ambetter from Fidelis Care Bronze HSA, Fidelis Care HBX Network, Free Telemedicine Program, Pediatric Dental
Fidelis Care
$647.29/mo
Ded: $5,500
Ambetter from Fidelis Care Bronze, Fidelis Care HBX Network, Free Telemedicine Program, Pediatric Dental
Fidelis Care
$668.89/mo
Ded: $4,125
Healthfirst Bronze Leaf, Pediatric Dental, Fitness & Wellness Rewards, PCP 3
Healthfirst
$771.75/mo
Ded: $4,125
BronzePlus-B1, Pediatric Dental, Metro-MP
MetroPlus Health Plan
$784.51/mo
Ded: $4,125
Healthfirst Bronze Leaf Premier, Family Dental, Family Vision, Telemedicine, Fitness & Wellness Rewards
Healthfirst
$798.57/mo
Ded: $5,000
Anthem Gatekeeper X, Bronze, Individual Network, Pediatric Dental
Anthem Blue Cross and Blue Shield
$805.30/mo
Ded: $4,125
These are list prices before subsidies for a 30-year-old near New York. With APTC, your actual monthly cost can be much lower. See your subsidized price →
Bronze vs Silver: How Total Costs Compare
- Lowest monthly premium
- Highest deductibles & copays
- Lower premium; you pay more when you use care
- HSA-eligible plans often available
- Not eligible for CSR cost reductions
- Mid-range premium
- Benchmark for APTC subsidy calculation
- Eligible for CSR cost reductions (100–250% FPL)
- With CSR: deductibles can drop to $300–$700
- With CSR, total yearly cost can be lower than Bronze, depending on care used
How CSR changes the math: At 100%–250% FPL, cost-sharing reductions lower the deductible and copays on Silver plans only, so a Silver plan's listed deductible can overstate what you would pay. To compare tiers, add up the total annual cost of each: the premium × 12 plus the cost-sharing you expect to pay.
How much does health insurance cost in New York per month? (2026)
Health insurance in New York costs an average of $870 a month for Bronze, $1,127 a month for Silver and $1,348 a month for Gold before subsidies for a 30-year-old; the cheapest plan starts at $433.76/month. For a 40-year-old, the cheapest Bronze plan comes to $121 or less a month at $39,900 a year (250% of the poverty line) after the tax credit.
Price depends on where you live in New York: the cheapest plan runs $433.76/month in Western New York (Buffalo) and $806.31/month in Tompkins County, a 86% difference across 25 New York areas.
| Metal tier | Plans | Lowest | Average | Highest |
|---|---|---|---|---|
| Catastrophic | 3 | $275 | $527 | $829 |
| Bronze | 11 | $647 | $870 | $1,133 |
| Silver | 14 | $807 | $1,127 | $1,471 |
| Gold | 15 | $1,124 | $1,348 | $1,772 |
| Platinum | 11 | $1,371 | $1,685 | $2,147 |
Figures are 2026 full monthly premiums for a single 30-year-old, before any Advance Premium Tax Credit. Estimate your subsidy to see what you would actually pay, or compare average costs across all states.
New York health insurance cost by age and family size
New York prices plans the same for every adult age. The cheapest Bronze plan in New York costs $647/month for one adult, and $1,845/month for a family of four, before subsidies.
| Who is covered | Bronze | Silver | Gold |
|---|---|---|---|
| One adult, any age | $647 | $807 | $1,124 |
| Couple, both 40 | $1,295 | $1,613 | $2,248 |
| Family of 4 (two adults 40, two children under 15) | $1,845 | $2,299 | $3,203 |
What you pay after the premium tax credit (2026)
| Household | Yearly income | Benchmark Silver costs you at most | Cheapest Bronze after the credit |
|---|---|---|---|
| One adult, age 30150% of the poverty level | $23,940 | Usually enrolls in the Essential Plan instead | |
| One adult, age 30250% of the poverty level | $39,900 | $281 | $121 or less |
| One adult, age 30400% of the poverty level | $63,840 | $530 | $371 or less |
| One adult, age 60150% of the poverty level | $23,940 | Usually enrolls in the Essential Plan instead | |
| One adult, age 60250% of the poverty level | $39,900 | $281 | $121 or less |
| One adult, age 60400% of the poverty level | $63,840 | $530 | $371 or less |
| Couple, both 40150% of the poverty level | $32,460 | Usually enrolls in the Essential Plan instead | |
| Couple, both 40250% of the poverty level | $54,100 | $381 | $62 or less |
| Couple, both 40400% of the poverty level | $86,560 | $718 | $400 or less |
- Premiums are the cheapest 2026 plans in New York, scaled from a 30-year-old's premium by the age rating rules New York uses (one price for every adult, fixed family multipliers). Prices elsewhere in New York differ; the county pages below show each area.
- The credit uses the 2026 IRS percentages and the 2026 poverty guidelines. Above 400% of the poverty level there is no credit. "Or less" is because the credit is based on the second-cheapest Silver plan, which can only make it larger than shown.
- Federal credit only: some states add their own help on top, and children in lower-income families usually qualify for Medicaid or CHIP. Calculate your own credit.
How Metal Tiers and Plans Differ in New York
1Check subsidy eligibility first
If your household income is between 100%–400% of the Federal Poverty Level, you likely qualify for APTC to reduce your premium. Some New York residents qualify for $0/month Bronze plans. Enter your income in the compare tool to see your options.
2Healthcare usage and metal tiers
Bronze plans have lower premiums and higher cost-sharing when you use care. Silver and Gold plans have higher premiums and lower cost-sharing, so which tier costs less in total depends on how much care you use.
3Check if your doctors are in-network
HMO plans require you to use in-network providers and get referrals for specialists. PPO plans offer more flexibility. Verify your preferred doctors and hospitals accept your plan before enrolling.
4Estimate your total annual cost
Look beyond the monthly premium. Add up the premium × 12, plus your expected deductible and copay costs. A lower-premium Bronze plan can cost more total if you need regular care.
More New York Health Insurance Guides
HSA-Eligible Plans in New York
High-deductible health plans in New York that qualify you to open a pre-tax Health Savings Account. Includes the 2026 IRS contribution limits.
View guide Cost GuideAverage Cost of Health Insurance by State
See how New York's premiums compare to the national average, by metal tier.
View guideHealth insurance in New York's largest cities and metro areas
Health Insurance by County in New York
Plan availability, premiums and participating insurers vary by county within New York. Pick your county to see what is actually sold there.
- Broome
- Capital Region (Albany & Upper Hudson Valley)
- Central New York (Syracuse)
- Clinton
- Delaware
- Essex
- Fulton
- Genesee Valley (Batavia)
- Greater Rochester (Finger Lakes)
- Herkimer
- Hudson Valley (Newburgh & Poughkeepsie)
- Hudson Valley & Catskills (Putnam & Sullivan)
- Long Island (Nassau & Suffolk)
- Montgomery
- New York City (Manhattan, Brooklyn, Queens, The Bronx & Staten Island)
- New York's North Country (Watertown)
- Oneida
- Oswego
- Otsego
- Rockland
- Schoharie
- Tioga
- Tompkins
- Westchester
- Western New York (Buffalo)
Affordable, budget, and low-cost ACA plans in New York
Whether you're searching for cheap, affordable, budget-friendly, low-cost, inexpensive, economical, or discount health insurance in New York, every ACA Marketplace plan available through NY State of Health must cover the same 10 Essential Health Benefits set by federal law: preventive care, emergency services, hospitalization, prescription drugs, maternity, mental health, and more. No Marketplace plan can deny you for a pre-existing condition or charge you more for being sick.
The only real differences between a "cheap" plan and an expensive one are the monthly premium, the metal tier, the provider network, and how much you pay out of pocket when you actually use care.
Below we break down every way to find lower-cost coverage in New York so you can match a plan to both your budget and your expected medical needs. For the strategies that apply in every state (subsidy eligibility, metal-tier choice, HSA savings, and Medicaid). See our national guide to affordable health insurance.
You might know New York as NY, NYS, or New York State. The plans and pricing below are the same no matter which name you use.
Budget Marketplace coverage in New York
Bronze-tier plans have the lowest monthly premium of any metal level in New York, making them the budget choice for healthy adults who rarely visit the doctor. Expect a high deductible (often $7,500+) in exchange for the low monthly cost. If you qualify for the Premium Tax Credit (APTC), your effective premium can drop significantly. For a 40-year-old, the cheapest Bronze plan comes to $121 or less a month at $39,900 a year (250% of the poverty line) after the tax credit.
Low-cost Silver plans & Cost-Sharing Reductions
Silver-tier plans are the only tier eligible for Cost-Sharing Reductions (CSR), which lower your deductible, copays, and out-of-pocket maximum if your household income is between 100% and 250% of the Federal Poverty Level. For New York residents in that income range, an enhanced Silver plan carries lower cost-sharing than a standard Silver plan at the same premium. Whether that outweighs a lower Bronze premium depends on how much care you use; compare total annual cost for both.
Discount HSA-eligible HDHP options
HSA-eligible High-Deductible Health Plans (HDHPs) in New York let you contribute pre-tax dollars to a Health Savings Account. For 2026 IRS limits, individuals can contribute up to $4,400 and families up to $8,750. Unused funds roll over year to year, and after age 65, you can withdraw for any expense without penalty. An HDHP pairs a low, economical premium with a tax-advantaged savings vehicle.
Cheap catastrophic plans (under 30 only)
New York residents under 30 (or those with a hardship/affordability exemption) may qualify for catastrophic coverage. Premiums are the lowest of any tier, but the deductible equals the federal out-of-pocket maximum (~$9,200 in 2025) so it's true emergency-only coverage. Catastrophic plans don't qualify for APTC subsidies.
Inexpensive HMO vs. PPO networks in New York (NY)
Network type is one of the biggest levers on price in New York. HMO and EPO plans restrict you to an in-network provider list but carry noticeably lower premiums. PPO plans cost more but let you see out-of-network providers, usually at higher cost-sharing. Each plan has its own provider directory, so check whether your doctors are in-network before comparing prices.
Comparing total annual cost in New York
The monthly premium is only part of what a plan costs. Total annual cost is the premium × 12, plus the deductible and copays you expect to pay for the care you use. Plans with higher premiums usually have lower deductibles and copays, and the reverse, so the totals shift with how often you see doctors or fill prescriptions. Enter your ZIP, age, and income in our compare tool to sort plans by estimated total cost after subsidies, not just headline premium.
Health insurance companies in New York
These are the major health insurers that have offered ACA Marketplace plans to New York residents in recent plan years. Carrier participation and the counties each insurer serves change every year, so always confirm current availability for your ZIP code on NY State of Health before enrolling. Every plan from every carrier below covers the same federally-required Essential Health Benefits; they differ on premium, provider network, and which doctors and hospitals are in-network.
When comparing insurers in New York, look up each plan's provider directory on NY State of Health and confirm whether your doctors, preferred hospitals, and prescription drugs are covered in-network. Out-of-network care can cost far more than a small premium difference.
New York health insurance marketplace: how to enroll for 2027
New York residents shop for ACA-compliant Marketplace plans through NY State of Health. Open Enrollment for plan year 2027 runs from November 1 through January 31 on NY State of Health. Outside that window, you need a Qualifying Life Event (job loss, marriage, birth, move) to enroll mid-year via a Special Enrollment Period.
Need help choosing? NY State of Health offers free, certified enrollment assistance; start at nystateofhealth.ny.gov.
Extra help from New York
- Essential Plan. Adults aged 19 to 64 with income up to 200% of the poverty level ($31,920 for one person in 2026) can get the Essential Plan: $0 monthly premium and no deductible. Official details
These come on top of the federal premium tax credit. Checked on each program's official site on October 2, 2026.
- 1
Gather your household details
Estimate your 2027 household income (gross, before taxes), everyone you'll claim as a tax dependent, current health insurance status, and your New York ZIP code.
- 2
Compare plans across metal tiers
Use a free comparison tool to see Bronze, Silver, Gold, and Platinum plans side by side. Pay attention to monthly premium, deductible, out-of-pocket maximum, and whether your doctors are in-network.
- 3
Check subsidy eligibility (APTC + CSR)
Enter your projected household income and NY State of Health will calculate your Advance Premium Tax Credit and tell you if you qualify for Cost-Sharing Reductions on Silver plans.
- 4
Enroll directly through NY State of Health
Submit your application at nystateofhealth.ny.gov/. Coverage usually starts January 1 if you enroll by mid-December; NY State of Health confirms its exact cutoff.
- 5
Pay your first premium to activate
Coverage is not active until your insurer receives your first premium payment. You'll receive payment instructions directly from the carrier within a few business days of enrollment.
Medicaid eligibility in New York
New York has expanded Medicaid under the ACA. If your household income is at or below 138% of the Federal Poverty Level (about $22,025/year for an individual, $45,540/year for a family of 4), you likely qualify for free or very low-cost Medicaid instead of a Marketplace plan.
New York Medicaid is administered through managed care organizations (MCOs) including Empire BlueCross BlueShield, Excellus BlueCross BlueShield, Healthfirst, Fidelis Care. Which plan is best depends on your county, doctors, and prescriptions, not a single statewide winner.
Medicaid in New York covers doctor visits, hospital care, prescription drugs, preventive screenings, mental health care, and more. There's no Open Enrollment window; you can apply year-round. Apply directly through your state Medicaid office or New York's marketplace, which will check your eligibility automatically.
APTC subsidy examples for New York households
The Advance Premium Tax Credit (APTC) caps what New York residents pay for the benchmark Silver plan as a percentage of household income. For 2027 the cap runs from 2.15% of income below 133% of the Federal Poverty Level (FPL) to 10.22% between 300% and 400% FPL (IRS Rev. Proc. 2026-26). Above 400% FPL there is no credit: the enhanced rules that removed that limit expired after 2025.
| Household size | Annual income | % of FPL | Capped premium share |
|---|---|---|---|
| 1 person | $23,940 | 150% | 4.30% of income |
| 1 person | $39,900 | 250% | 8.66% of income |
| 2 persons | $43,280 | 200% | 6.78% of income |
| 4 persons | $82,500 | 250% | 8.66% of income |
| 4 persons | $132,000 | 400% | 10.22% of income |
Federal Poverty Level figures use the 2026 HHS guidelines for the 48 contiguous states & DC. Alaska and Hawaii use higher FPL thresholds. Actual subsidy depends on your county's benchmark Silver premium, household composition, and tax filing status. Always verify with official Marketplace before enrolling. Full chart for households of 1 to 8: ACA income limits.
Top counties in New York for ACA plans
Plan availability, premiums, and participating insurers vary by county within New York. These are the five most populous counties. Open one to see the plans, premiums and insurers available there.
More New York health insurance guides
Frequently asked questions about ACA insurance in New York
What is the health insurance marketplace in New York?
The New York (NY) health insurance marketplace is NY State of Health (https://nystateofhealth.ny.gov/), a state-based ACA exchange where residents compare and enroll in qualified health plans. Policymage lists 54 plans with live premium data. Open Enrollment runs November 1 through January 31.
How do I compare health insurance plans in New York?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 4 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in New York start from $647.29/month before subsidies.
Which Medicaid plan is best in New York?
There is no single "best" Medicaid plan in New York. Medicaid is administered through MCOs such as Empire BlueCross BlueShield, Excellus BlueCross BlueShield, Healthfirst. The right plan depends on your county, doctors, and prescriptions. Medicaid (income up to 138% FPL, ~$22,025/year for an individual) is separate from ACA Marketplace plans at NY State of Health. Apply year-round through your state Medicaid office.
Is short-term health insurance available in New York?
Short-term health insurance is sold outside the ACA Marketplace in New York by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at NY State of Health during Open Enrollment (November 1 to January 31). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in NY?
Health insurance in NY starts as low as $647.29/month for a 30-year-old on a Bronze plan before subsidies. Most New York residents who qualify for APTC pay significantly less. For a 40-year-old, the cheapest Bronze plan comes to $121 or less a month at $39,900 a year (250% of the poverty line) after the tax credit.
What is the cheapest health insurance option in NY for 2027?
The cheapest ACA option in NY for 2027 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan. Both carry the lowest monthly premium in exchange for a higher deductible. Compare exact New York plans and prices at policymage.com/get-quotes.
How do I get health insurance in New York?
To get health insurance in New York, enroll in an ACA Marketplace plan through NY State of Health during Open Enrollment, which runs November 1 through January 31. Plans start at $647.29/month before subsidies. You need your ZIP code, household size, and estimated annual income to apply. Outside Open Enrollment you need a Qualifying Life Event (job loss, marriage, birth, or a move) to enrol through a Special Enrollment Period.
What is the best health insurance in New York?
There is no single best health insurance plan in New York; total annual cost depends on your doctors, prescriptions, and how much care you use. Policymage does not recommend plans. It lets you compare 54 New York plans on premium, deductible, network, and quality rating. Total annual cost is the premium × 12 plus your expected deductible and copays. Cost-Sharing Reductions lower deductibles and copays for incomes between 100% and 250% FPL, and apply only to Silver plans.
How much is health insurance in New York per month?
Health insurance in New York starts at $647.29 per month for a Bronze plan for a 30-year-old, before subsidies. Most residents who qualify for APTC tax credits pay considerably less. For a 40-year-old, the cheapest Bronze plan comes to $121 or less a month at $39,900 a year (250% of the poverty line) after the tax credit. Your exact monthly cost depends on age, county, household size, and tobacco use.
Is ACA health insurance available in New York?
Yes. ACA Marketplace plans are sold in every county of New York through its own exchange, NY State of Health. Near the state's largest city there are 54 plans to compare, starting at $647.29 a month before subsidies. Open Enrollment runs November 1 through January 31; outside it you need a Qualifying Life Event.
How do I get free health insurance in New York?
Free or near-free coverage in New York comes from two routes. Medicaid covers adults earning up to 138% of the Federal Poverty Level (roughly $22,025/year for an individual), and you can apply year-round. Above that, APTC subsidies bring many Bronze Marketplace plans to $0/month for New York residents on lower incomes.
When does Open Enrollment end in New York for ACA plans?
Open Enrollment for New York residents runs from November 1 through January 31. New York runs its own exchange (NY State of Health), which set the January 31 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does health insurance cost in New York?
Health insurance in New York starts as low as $647.29/month for a 30-year-old on a Bronze plan before subsidies. For a 40-year-old, the cheapest Bronze plan comes to $121 or less a month at $39,900 a year (250% of the poverty line) after the tax credit. Costs vary by age, county, tobacco use, and household size.
Does New York use HealthCare.gov or its own state exchange?
New York runs its own state-based Marketplace called NY State of Health (https://nystateofhealth.ny.gov/). You enroll there directly, not at HealthCare.gov. Plan offerings, enrollment dates, and customer support are managed by New York, not the federal government.
Has New York expanded Medicaid under the ACA?
Yes. New York has expanded Medicaid, so adults with household income up to 138% of the Federal Poverty Level (approximately $22,025/year for an individual) qualify for free or very low-cost Medicaid. There's no Open Enrollment window; you can apply year-round.
What are the income limits for ACA subsidies in New York?
Premium tax credits cover household income from 100% to 400% of the Federal Poverty Level: about $15,960 to $63,840 a year for an individual, or $33,000 to $132,000 for a family of 4. Below 138% FPL most adults qualify for Medicaid instead. Above 400% FPL there is no credit in 2027: the enhanced rules that removed that limit expired after 2025. Use the NY State of Health subsidy calculator for your exact estimate.
Does New York have its own health insurance subsidy?
Yes. Essential Plan: Adults aged 19 to 64 with income up to 200% of the poverty level ($31,920 for one person in 2026) can get the Essential Plan: $0 monthly premium and no deductible. This is in addition to the federal premium tax credit.
What are the metal tiers in New York (Bronze, Silver, Gold, Platinum)?
New York ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in New York?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in New York through NY State of Health. For 2026, HDHPs must have a deductible of at least $1,700 (individual) or $3,400 (family), and you can contribute up to $4,400 (individual) or $8,750 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do New York ACA plans cover dental and vision?
New York ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits, but adult dental and vision are not federally required. Most New York plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through NY State of Health or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in New York?
Outside Open Enrollment, New York residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through NY State of Health.
How do I find in-network doctors and hospitals in New York?
Each New York ACA plan has its own provider network. Before enrolling, look up the plan on NY State of Health, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). Out-of-network costs can exceed the premium difference between plans.
Get New York health insurance quotes
Enter your ZIP code, age, and income for quotes on Marketplace plans sold where you live in New York, with your premium tax credit applied.
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Plans shown based on input. Not insurance advice. Policymage is not a licensed broker or agent.