Before subsidies, the average benchmark silver plan for a 40-year-old in New York costs $1,041 a month for 2027 (the national average is $704). Premium tax credits bring that down for many households, depending on income and family size.
If you want someone to shop the New York market for you, a broker is the usual route. The 12 offices below sit closest to Manhattan and list themselves as brokers or independent agencies, which typically means access to more than one insurer.
Health Insurance Brokers near Manhattan
Licensed agents can compare plans available in New York County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Local health care in Manhattan
- Manhattan is home to several large academic systems, including NewYork-Presbyterian, Mount Sinai (The Mount Sinai Hospital), and NYU Langone, so check that a plan's network covers the one you prefer before enrolling. Source
- Manhattan (New York County) is served by the New York City Department of Health and Mental Hygiene, the citywide public health agency. 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.
Do brokers cost more?
No. Health insurers pay brokers a commission that's already part of the premium. You pay the same price for a plan whether you buy it yourself or through a broker.
Broker or agent: what's the difference?
A captive agent sells one company's plans. An independent agent or broker is appointed with several insurers and can compare them. In everyday use the words overlap, so ask any office which carriers it can quote in New York.
What a broker can compare for you
Premiums, deductibles and out-of-pocket maximums; which doctors and hospitals are in each network; whether your prescriptions are covered; and whether you qualify for a premium tax credit.
Carriers a Manhattan broker can quote
For 2027, marketplace plans in New York come from 12 insurers: Anthem (formerly Empire), CDPHP, EmblemHealth (HIP), Excellus BlueCross BlueShield, Fidelis Care, Healthfirst, Highmark Blue Cross Blue Shield of WNY/NENY, Independent Health, MetroPlusHealth, MVP Health Care, Oscar Health and UnitedHealthcare. Not every insurer sells in every county. An independent broker appointed with several of them can compare prices and networks side by side.
A quick checklist
- Check that the agent's license is active with the state regulator.
- Ask each agent which carriers they can quote in your county.
- Write down the enrollment deadline and confirm your first premium payment.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
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
Frequently asked questions
Can a broker help me get a subsidy?
Yes. Brokers certified with the marketplace can estimate your premium tax credit and enroll you in a subsidized plan.
How do I find a good health insurance broker in Manhattan?
Look for a broker licensed in New York who can quote several carriers, is certified with the NY State of Health, and has reviews from local clients. You can verify any license with the New York insurance regulator.
When can I buy a plan?
During open enrollment (Nov 1 to January 31 on the NY State of Health), or within 60 days of a qualifying life event such as losing other coverage, moving, marriage or a new baby.
Brokers in nearby cities
- Guttenberg, NJ 2 miles
- West New York, NJ 2 miles
- Edgewater, NJ 3 miles
- Cliffside Park, NJ 3 miles
- Fairview, NJ 3 miles
- Union City, NJ 4 miles
- Hoboken, NJ 4 miles
- Ridgefield, NJ 4 miles
- Fort Lee, NJ 5 miles
- Palisades Park, NJ 5 miles