New York ยท NY
Health insurance in New York: private plans, the Marketplace, and how AFHC helps
America First Healthcare helps New York residents compare private plans, Marketplace options and gap coverage with a licensed advisor. Below is how buying coverage works in New York, with every fact linked to its source.
Verify any agent's license through the NIPR lookup.
Quick facts
- Marketplace
- NY State of Health
- 2027 open enrollment
- Not yet confirmed
- Medicaid expansion
- Adopted
- Short-term plans
- Prohibited
- Insurance department
- New York State Department of Financial Services
Facts checked 2026-09-14.
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.
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.
- Self-employed and 1099 workers
- Small business owners
- Early retirees bridging to Medicare
- People losing employer coverage
- 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
- Book online at the free healthcare review page or call (888) 728-7640.
- One scheduled call with one licensed advisor. We look at what you have and what your household actually needs in New York.
- 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
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?
New York runs its own marketplace, NY State of Health. We could not confirm its 2027 open enrollment dates from the exchange on 2026-09-14; check NY State of Health directly for the current window before you plan around a date.
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.