New York Health Coverage

Health Insurance in New York

Compare New York health plans with free help from a licensed agent. See ACA marketplace, private, and other options side by side, and check whether you qualify for savings in about 60 seconds.

Licensed to sell in New York (NPN 21004595)
Compares NY State of Health + private plans
Licensed agents — no pressure, no fee
See if you qualify for 2026 savings

Free quote · No obligation · Takes ~60 seconds

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Where are you located?

Plans and subsidies vary by ZIP code.

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How the Marketplace works in New York

New York runs its own state-based Marketplace, NY State of Health, instead of using the federal HealthCare.gov exchange. You can browse ACA plans there, but a licensed agent can compare those on-exchange options against private (off-exchange) plans you will not find on the state site.

Subsidies, Medicaid, and the 2026 change in New York

The enhanced premium tax credits that lowered ACA premiums through 2025 expired at the end of that year, so for 2026 many middle-income households now pay the full, unsubsidized price on the exchange. New York has expanded Medicaid, so households with lower incomes may qualify for Medicaid, while those above the subsidy range often do better on a private, off-exchange plan. A licensed agent checks all of these for you at no cost.

Health insurance options in New York

Whether you are self-employed, between jobs, an early retiree under 65, or simply without affordable coverage through an employer, there are several types of plans a licensed agent can compare for you in New York:

Short-term health plans are not available in New York, so a licensed agent will focus on ACA and private major medical options that fit your needs.

ACA marketplace plans (on-exchange), which cover pre-existing conditions and essential health benefits
Private, off-exchange major medical plans that a licensed agent can quote directly
Dental and vision plans, on their own or added to a medical plan
Fixed indemnity and supplemental coverage to help with out-of-pocket costs

Working with a licensed agent in New York

Our agents are licensed to sell health insurance in New York (National Producer Number 21004595) and do the comparison work for you at no cost. There is no obligation, no pressure, and your premium is the same whether you use a licensed broker or enroll on your own.

If you ever want to confirm licensing or file a question about a plan, the New York State Department of Financial Services is the state authority that regulates insurance in New York.

Official New York resources

NY State of Health ↗ — official New York Marketplace for ACA plans and current Open Enrollment dates.
New York State Department of Financial Services ↗ — the state authority that regulates insurance in New York.

Marketplace, subsidy, and short-term rules change year to year. Information reviewed July 2026; confirm current details with the official sources above or a licensed agent.

Health insurance by city in New York

New York City Buffalo Rochester Yonkers Syracuse

New York Questions

Health Insurance in New York — FAQ

In New York, ACA plans are offered through NY State of Health. You can also buy private, off-exchange plans directly through a licensed agent. Our agents compare both so you see every option, then help you enroll — free of charge.

Possibly. Subsidy eligibility is based on your household income and size, and the rules tightened for 2026 when the enhanced tax credits expired. Some New York residents still qualify for savings on an ACA plan; others do better on a private plan. A licensed agent will check your specific eligibility for free.

No. Short-term health plans are not sold in New York. A licensed agent will focus on ACA and private major medical plans that fit your budget and health needs.

ACA plans are generally sold during Open Enrollment, but if you have a qualifying life event (losing coverage, moving, marriage, a new baby, and more) you may qualify for a Special Enrollment Period and can enroll now. Private and, where available, short-term plans can often start sooner. A licensed agent will tell you the fastest legitimate path to coverage.