Before subsidies, the average benchmark silver plan for a 40-year-old in New York costs $1,041 a month for 2027, against a national average of $704. Premium tax credits lower that for many households.
This page lists small business benefits brokers across New York by city. Every listing shows distance and address, and every city page explains local plan costs. For a side-by-side comparison of carriers, call 866-645-8540 to reach a licensed agent.
How health insurance works in New York
People in New York buy marketplace coverage through NY State of Health. Open enrollment runs from November 1 through January 31. New York Medicaid covers adults with income up to 138% of the poverty level. 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. Short-term health plans are not sold in the state.
Agent licensing in New York
- 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
- 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
- In New York, health insurance agents and brokers need accident and health authority, either alone or combined with life as a life, accident and health license. Brokers represent the insured, while agents represent the companies that appoint them. Source
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.
Licensed agents can quote plans from multiple New York carriers in one call.
Call 866-645-8540Small business by city in New York
- Airmont
- Albany
- Albertson
- Albion
- Amityville
- Amsterdam
- Auburn
- Baldwin
- Baldwin Harbor
- Baldwinsville
- Ballston Spa
- Batavia
- Bay Shore
- Bayport
- Bayville
- Baywood
- Beacon
- Bellmore
- Bethpage
- Binghamton
- Binghamton University
- Blauvelt
- Bohemia
- Brentwood
- Briarcliff Manor
- Brockport
- Bronx
- Bronxville
- Brooklyn
- Buffalo
- Calverton
- Carle Place
- Carmel Hamlet
- Cedarhurst
- Center Moriches
- Centereach
- Centerport
- Central Islip
- Chester
- Chestnut Ridge
- Clifton Springs
- Cohoes
- Commack
- Congers
- Copiague
- Coram
- Corning
- Cortland
- Croton-on-Hudson
- Deer Park
- Depew
- Dix Hills
- Dobbs Ferry
- Dunkirk
- East Aurora
- East Farmingdale
- East Glenville
- East Hills
- East Islip
- East Massapequa
- East Meadow
- East Moriches
- East Northport
- East Patchogue
- East Quogue
- East Rochester
- East Rockaway
- East Shoreham
- Eggertsville
- Ellenville
- Elmira
- Elmont
- Elmsford
- Elwood
- Endicott
- Endwell
- Fairmount
- Fairport
- Fairview
- Farmingdale
- Farmingville
- Flanders
- Floral Park
- Fort Drum
- Fort Plain
- Fort Salonga
- Franklin Square
- Fredonia
- Freeport
- Fulton
- Garden City
- Garden City Park
- Geneva
- Glen Cove
- Glen Head
- Glens Falls
- Glens Falls North
- Gloversville
- Gowanda
- Great Neck
- Great Neck Plaza
- Greenlawn
- Greenville
- Hampton Bays
- Harris Hill
- Harrison
- Hastings-on-Hudson
- Hauppauge
- Hewlett
- Hicksville
- Highland
- Hillcrest
- Hilton
- Holbrook
- Holtsville
- Honeoye Falls
- Hornell
- Hudson
- Hudson Falls
- Huntington Station
- Ilion
- Inwood
- Irvington
- Islip Terrace
- Ithaca
- Jamestown
- Jefferson Valley-Yorktown
- Jericho
- Johnson City
- Johnstown
- Kaser
- Kenmore
- Kings Park
- Kings Point
- Kingston
- Kiryas Joel
- Lackawanna
- Lake Carmel
- Lake Grove
- Lake Mohegan
- Lake Ronkonkoma
- Lakeview
- Larchmont
- Lawrence
- Levittown
- Lindenhurst
- Lockport
- Long Beach
- Lynbrook
- Mahopac
- Malverne
- Manhasset
- Manhattan
- Manorhaven
- Manorville
- Massapequa
- Massapequa Park
- Mastic
- Mastic Beach
- Mattydale
- Mechanicstown
- Mechanicville
- Medford
- Medina
- Melville
- Merrick
- Middle Island
- Middletown
- Miller Place
- Mineola
- Monsey
- Monticello
- Mount Ivy
- Mount Kisco
- Mount Sinai
- Mount Vernon
- Myers Corner
- Nanuet
- Nesconset
- New Cassel
- New City
- New Hempstead
- New Hyde Park
- New Rochelle
- New Square
- New York
- Newark
- Niagara Falls
- North Amityville
- North Babylon
- North Bay Shore
- North Bellmore
- North Bellport
- North Gates
- North Hills
- North Lindenhurst
- North Massapequa
- North Merrick
- North New Hyde Park
- North Patchogue
- North Syracuse
- North Tonawanda
- North Valley Stream
- North Wantagh
- Northport
- Norwich
- Nyack
- Oakdale
- Oceanside
- Ogdensburg
- Old Bethpage
- Olean
- Oneida
- Oneonta
- Orange Lake
- Oswego
- Patchogue
- Pearl River
- Peekskill
- Pelham Manor
- Penn Yan
- Plainedge
- Plainview
- Plattsburgh
- Pleasantville
- Port Chester
- Port Jefferson
- Port Jefferson Station
- Port Jervis
- Port Washington
- Poughkeepsie
- Queens
- Ravena
- Rensselaer
- Ridge
- Rochester
- Rockville Centre
- Rocky Point
- Rome
- Ronkonkoma
- Roosevelt
- Roslyn Heights
- Rye Brook
- Salamanca
- Salisbury
- Saranac Lake
- Saratoga Springs
- Sayville
- Scarsdale
- Schenectady
- Scotchtown
- Scotia
- Sea Cliff
- Seaford
- Selden
- Shirley
- Sleepy Hollow
- Solvay
- Sound Beach
- South Farmingdale
- South Hill
- South Huntington
- South Lockport
- South Valley Stream
- Spring Valley
- Springs
- St. James
- Staten Island
- Stony Brook
- Stony Brook University
- Suffern
- Syosset
- Syracuse
- Tappan
- Tarrytown
- Terryville
- Tonawanda
- Troy
- Tuckahoe
- Uniondale
- University at Buffalo
- Utica
- Valatie
- Valley Cottage
- Valley Stream
- Viola
- Wading River
- Walden
- Wantagh
- Wappingers Falls
- Washingtonville
- Watertown
- Watervliet
- Wesley Hills
- West Babylon
- West Glens Falls
- West Haverstraw
- West Hempstead
- West Hills
- West Islip
- West Point
- West Sayville
- Westbury
- Westmere
- Westvale
- White Plains
- Williamsville
- Williston Park
- Woodbury
- Woodbury
- Woodmere
- Wyandanch
- Yaphank
- Yonkers