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. Keep reading for what's sold in Monroe County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies near Rochester
Licensed agents can compare plans available in Monroe County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Rochester, 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 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.
Before you call an agent
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Write down the enrollment deadline and confirm your first premium payment.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
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
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.
Where can I buy health insurance in Rochester?
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.
Health insurance in nearby cities
- North Gates, NY 5 miles
- East Rochester, NY 8 miles
- Fairport, NY 10 miles
- Hilton, NY 12 miles
- 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