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. The rest of this page covers your coverage options in New York, the best-reviewed local agencies and the deadlines that matter.
Top-rated health insurance agencies 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 866-645-8540Health insurance at a glance: New York, 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 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.
Before you call an agent
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Ask each agent which carriers they can quote in your county.
- Write down the enrollment deadline and confirm your first premium payment.
- Check that the agent's license is active with the state regulator.
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 much is health insurance in New York?
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. A licensed agent can quote your exact price.
Where can I buy health insurance in New York?
Through the NY State of Health, directly from an insurer, or with a licensed agent or broker who can do either.
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
- 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