New York · NY
New York health insurance 2027: prices, plans and where to apply
In New York, the 2027 benchmark silver plan for a 40-year-old averages $1,041 a month before tax credits, up 27% from 2026 (KFF). Open Enrollment runs Nov 1, 2026 to Jan 31, 2027. Below is how buying coverage works in New York and where to apply, with every fact linked to its source.
Verify any agent's license through the NIPR lookup.
Reviewed by Jordan SarmientoUpdated
Quick facts
- Marketplace
- NY State of Health
- 2027 open enrollment
- Nov 1 to Jan 31
- Medicaid expansion
- Adopted
- Short-term plans
- Prohibited
- Insurance department
- New York State Department of Financial Services
Facts checked 2026-09-14.
New York in 2027 at a glance
- Benchmark silver, age 40
- $1,041/mo
- 2027, before credits. Up 27% from 2026.
- Enrolled for 2026
- 210,704
- 42.6% got a premium tax credit.
- Open Enrollment
- Nov 1 to Jan 31
- Enroll by Dec 15 for a Jan 1 start.
Sources: KFF and CMS (2027 plan data), linked in the sections below.
New York health insurance facts
- Marketplace
- New York runs its own state-based marketplace, NY State of Health.Source
- 2027 open enrollment
- Open Enrollment for 2027 coverage runs Nov 1, 2026 to Jan 31, 2027 through NY State of Health; enroll by Dec 15, 2026 for coverage that starts January 1.Source All states' 2027 dates.
- 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
- 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.
Average cost of health insurance in New York for 2027
The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averages $1,041 a month for a 40-year-old in New York for 2027, before any credit. That is up 27% from $817 in 2026.Source
2027 benchmark silver price by age in New York
| Age | Per month, before credits |
|---|---|
| 21 | $1,041 |
| 30 | $1,041 |
| 40 | $1,041 |
| 50 | $1,041 |
| 60 | $1,041 |
| 64 | $1,041 |
New York does not price by age, so the benchmark is the same at every age.Source Tax credits lower these prices for most buyers. See your own price with the 2027 price checker.
The 2026 Marketplace in New York, in numbers
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
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.
Health insurance companies in New York for 2027
New York runs its own exchange, so the 2027 insurers and plans for your ZIP code are listed on NY State of Health. Private plans sold outside the exchange are a separate list; an advisor can compare both with you.
Cheap health insurance in New York: where the low prices are
Tax credits change the price most. For 2026, 42.6% of New York Marketplace enrollees got a premium tax credit.Source
New York expanded Medicaid, so adults with low incomes may qualify for Medicaid at little or no cost.Source For people who mainly want protection from a large bill, a catastrophic plan can cost less; what our own clients pay is in health insurance cost by state.
Short-term health insurance in New York
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 Short-term plans are not Marketplace coverage and do not get tax credits. How they compare with a catastrophic plan is in catastrophic coverage.
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
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.
What a licensed advisor does and how advisors are paid is on talk to a licensed advisor near you.
On our homepage map, New York is one of the states marked active now.
New York health insurance FAQs
Is short-term health insurance allowed in New York?
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.
When is open enrollment in New York for 2027 coverage?
Open Enrollment for 2027 coverage in New York runs Nov 1, 2026 to Jan 31, 2027 through NY State of Health. Enroll by Dec 15, 2026 for coverage that starts January 1, 2027.
How much does health insurance cost in New York?
For 2027, the benchmark silver plan for a 40-year-old in New York averages $1,041 a month before tax credits, up 27% from $817 in 2026 (KFF). In 2026, New York Marketplace enrollees paid $636 a month on average after tax credits ($812 before) (CMS). Your own price depends on your age, county, household income and plan.
Does New York use HealthCare.gov or its own marketplace?
New York runs a state-based marketplace called NY State of Health. Marketplace plans and any premium tax credit in New York go through it rather than HealthCare.gov.
How do I verify an insurance agent's license in New York?
Look the agent up through the NIPR license lookup, or contact the New York State Department of Financial Services. Ask for the agent's name and national producer number before you share personal information. NIPR license lookup.
Want a plain-English walkthrough of your New York options? Book a free healthcare review. No hard sell.
Free healthcare reviewEducational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.