Health Insurance Plans in Oneida County, New York (2026)
43 ACA marketplace (Obamacare) plans are available in Oneida County, NY, from 4 insurers. The cheapest plan starts at $525.01/month before subsidies (Catastrophic plans, for under-30s, from $223.28).
That ranks 8th lowest of the 25 county areas we track in New York, 12% below the statewide median of $598.43.
Last updated: October 10, 2026 · Source: Official Marketplace Data · How we calculate this
Looking for New York as a whole? See what health insurance costs per month in New York.
Covers Utica, Rome, Whitesboro, New York Mills, Sherrill, Yorkville and nearby communities.
43
Plans Available
$525.01
Cheapest Plan/mo
4
Insurers
NY State of Health
Exchange
Insurers With the Cheapest Plans in Oneida
Plans Available in Oneida
Sorted by monthly premium · 30-year-old · Before subsidies
Ambetter from Fidelis Care Catastrophic, Fidelis Care HBX Network, Free Telemedicine Program, Pediatric Dental
Fidelis Care
$223.28/mo
Ded: $10,600
Ambetter from Fidelis Care Bronze HSA, Fidelis Care HBX Network, Free Telemedicine Program, Pediatric Dental
Fidelis Care
$525.01/mo
Ded: $5,500
Ambetter from Fidelis Care Bronze, Fidelis Care HBX Network, Free Telemedicine Program, Pediatric Dental
Fidelis Care
$542.52/mo
Ded: $4,125
Ambetter from Fidelis Care Silver, Fidelis Care HBX Network, Free Telemedicine Program, Pediatric Dental
Fidelis Care
$704.09/mo
Ded: $2,450
Ambetter from Fidelis Care Silver+, Fidelis Care HBX Network, Family Vision, Free Telemedicine Program, Family Dental
Fidelis Care
$721.98/mo
Ded: $2,450
MVP Premier Plus Bronze 2, NY Individual On Exchange HMO, 3 PCP, Acupuncture, Preferred Facilities, Telemedicine, Wellness, Pediatric Dental
MVP Health Care
$753.97/mo
Ded: $6,400
MVP Premier Bronze 1 HDHP, NY Individual On Exchange HMO, HSA, Telemedicine, Wellness
MVP Health Care
$757.99/mo
Ded: $5,500
MVP Premier Plus Bronze 3 HDHP, NY Individual On Exchange HMO, Acupuncture, HSA, Preferred Facilities, Preventive Rx, Telemedicine, Wellness, Pediatric Dental
MVP Health Care
$785.37/mo
Ded: $6,000
Average Premiums in Oneida
Avg Bronze Plan
$823/mo
14 plans
Avg Silver Plan
$1054/mo
Eligible for CSR cost reductions
$0 and low-cost health insurance in Oneida County
Adults in Oneida County earning up to 200% of the poverty level ($31,920 a year for one person) usually enroll in the Essential Plan instead of a tax-credit plan.
Medicaid: New York expanded Medicaid, so adults earning up to 138% of the poverty level ($22,025 a year for one person, $45,540 for a family of four) usually qualify, and can apply any time of year.
New York adds its own help: Essential Plan. Who qualifies
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Health Insurance in New York
Compare New York's lowest-premium plans. See how Oneida's $525.01/mo starting premium compares to the statewide picture.
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Compare plansFrequently 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 43 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 $525.01/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 $525.01/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 $525.01/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 43 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 $525.01 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 43 plans to compare, starting at $525.01 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 $525.01/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.
Compare Plans in Oneida
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