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.
Brokers in the New York area can quote individual, family and self-employed coverage from multiple carriers licensed in New York. Their commission is built into the premium, so using one doesn't raise your price. Here are 12 brokerages within reach of New York.
Health Insurance Brokers near New York
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 New York
- NYC Health + Hospitals, the nation's largest municipal health system, runs public hospitals in all five boroughs and serves patients regardless of ability to pay or immigration status, and its MetroPlus health plan is built around that network, so it is one worth checking before you pick a New York City plan. Source
- The NYC Department of Health and Mental Hygiene is the city's public health agency for all five boroughs, monitoring community health and connecting New Yorkers to health and mental health services. 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.
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.
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.
Carriers a New York 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.
How to get ready
- Ask each agent which carriers they can quote in your county.
- Check that the agent's license is active with the state regulator.
- Write down the enrollment deadline and confirm your first premium payment.
- Have a realistic estimate of next year's household income; subsidies are based on it.
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
How do I find a good health insurance broker in New York?
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.
Is there a fee to use a broker?
Most health insurance brokers charge nothing to individuals and families; the insurer pays them. Ask up front if you're unsure.
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.
Brokers in nearby cities
- Brooklyn, NY 3 miles
- Hoboken, NJ 6 miles
- Manhattan, NY 7 miles
- Union City, NJ 8 miles
- Jersey City, NJ 8 miles
- Queens, NY 8 miles
- West New York, NJ 8 miles
- Guttenberg, NJ 8 miles
- Edgewater, NJ 9 miles
- Cliffside Park, NJ 9 miles