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. Below you'll find how coverage works in Manhattan, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies 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 866-645-8540Health insurance at a glance: Manhattan, NY
| Where to enroll | NY State of Health |
|---|---|
| Average benchmark silver, age 40 (2027) | $1,041/mo before subsidies |
| Marketplace insurers in New York (2027) | 12 |
| Medicaid expansion | Yes |
| Short-term plans | Not sold |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
Local 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.
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.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
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
Where can I buy health insurance in Manhattan?
Through the NY State of Health, directly from an insurer, or with a licensed agent or broker who can do either.
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for New York Medicaid. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
Which insurers sell marketplace plans in New York?
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.
Health insurance 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