What does coverage cost in Rochester? Across New York, the 2027 benchmark silver plan for a 40-year-old averages $1,041 a month before subsidies, compared with $704 nationally. Most marketplace shoppers pay less after the premium tax credit.
There are 22 health insurance agencies within 25 miles of Rochester, NY. The 14 listed here are the closest local agents, from single-agent offices to larger agencies, sorted by distance from the center of Rochester.
Health Insurance Agents near Rochester
Licensed agents can compare plans available in Monroe County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Local health care in Rochester
- Rochester is served mainly by UR Medicine (University of Rochester Medical Center, including Strong Memorial Hospital) and Rochester Regional Health (Rochester General and Unity hospitals), so check which one a plan's network includes. Source
- The Monroe County Department of Public Health serves Rochester, running immunization, epidemiology and disease-control programs. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
Agents are free to use
Insurers pay agent commissions. Using a licensed agent doesn't add to your premium.
Questions to ask before you choose
Which carriers can you quote in Monroe County? Are you certified to enroll people through the NY State of Health? Will you help me at renewal next year?
What a local agent does
Agents licensed in New York can explain plan types (HMO, PPO, EPO), estimate your premium tax credit, enroll you, and help when something goes wrong with a claim or a bill.
Checking an agent's license in New York
- New York's Department of Financial Services offers an online Producer/Licensee Search. It shows whether an agent or broker has been issued a license, along with the license number. Source
- The New York State Department of Financial Services licenses insurance agents and brokers, including those who sell health coverage, and regulates insurers in the state. Source
Free enrollment help in New York
NY State of Health assistors (Navigators, Certified Application Counselors and Marketplace Facilitated Enrollers) give free enrollment help; the Find Local Help tool searches assistors and brokers. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
How many agencies are near Rochester?
Our listings show 22 health insurance agencies within 25 miles of Rochester and 26 within 50 miles.
What's the difference between an agent and a navigator?
Navigators are trained helpers funded to give free, unbiased enrollment help, but they can't recommend a plan. Licensed agents can recommend plans and may also sell coverage outside the marketplace.
Can an agent help if I'm self-employed?
Yes. Agents work with 1099 and self-employed clients every day, including estimating income that changes from year to year.
Agents in nearby cities
- Honeoye Falls, NY 15 miles
- Brockport, NY 17 miles
- Newark, NY 28 miles
- Clifton Springs, NY 28 miles
- Albion, NY 29 miles
- Batavia, NY 31 miles
- Geneva, NY 38 miles
- Medina, NY 39 miles
- Penn Yan, NY 45 miles
- South Lockport, NY 54 miles