Health insurance in New York: private plans, the Marketplace, and how AFHC helps

New York health insurance facts

Marketplace

New York runs its own state-based marketplace, NY State of Health.Source

Medicaid expansion

New York adopted Medicaid expansion (implemented January 1, 2014). New York also offers the Essential Plan for people with incomes above the Medicaid limit.Source

Short-term plans

Short-term limited duration plans are prohibited in New York. The Department of Financial Services states that all issuers are barred from offering them because they do not meet New York's guaranteed renewability requirements, regardless of federal rules.Source

State insurance department

New York State Department of Financial Services. File complaints and check agent licenses here.Source

Facts checked 2026-09-14. Rules change; confirm anything you plan around at the linked source.

What Marketplace coverage costs in New York

For 2026, 210,704 New York residents picked a Marketplace plan during Open Enrollment, and 42.6% of them received an advance premium tax credit. The average premium was $812 a month per person before the credit and $636 after it, counting everyone who picked a plan.Source State premium help paid by New York’s own exchange is not included in these figures.

The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averaged $817 a month for a 40-year-old in New York in 2026, before any credit.Source

For 2027, insurers across the country proposed a median increase of 15%.Source Your own price depends on your age, county, household income and the plan you pick, and you see exact 2027 numbers only on a Marketplace application or a quote. How the pieces fit together is in how much health insurance costs per month.

What our clients paid, by state and kind of plan, is in health insurance cost by state.

Free, impartial help in New York

If you have Medicare or will soon: New York’s State Health Insurance Assistance Program (SHIP) is Health Insurance Information, Counseling and Assistance (HIICAP), 1-800-701-0501.Source SHIPs are federally funded, give objective one-on-one Medicare counseling, and there is no cost to use them.Source

America First Healthcare is a licensed agency, not a SHIP or a Marketplace assister. Use them, us, or both; a second opinion costs you nothing either way.

Who we usually help in New York

Most New York households who book a review are buying coverage without an employer in the middle. The hubs below explain each situation in detail. New to private coverage? Start with private health insurance in the USA.

• Self-employed and 1099 workers, plus the five coverage alternatives and how the rules differ by state
• Small business owners
• Early retirees bridging to Medicare
• People losing employer coverage
• People who are out of work
• Families who want catastrophic-first coverage

We work with families across New York, including New York City, Buffalo, Rochester and Albany, and everywhere in between. The review is by phone or video, so where you live in the state does not change how it works.

How the free review works for New York residents

1. Book online at the free healthcare review page or call (888) 728-7640. What an advisor does and how advisors are paid is on talk to a licensed advisor near you.
2. One scheduled call with one licensed advisor. We look at what you have and what your household actually needs in New York.
3. You get the options side by side with every cost shown. No timeline and no pressure; move forward or walk away knowing where you stand.

On our homepage map, New York is one of the states marked active now.

New York health insurance FAQs

Educational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.