New York Health Insurance (2026)
ACA marketplace health insurance rates, Medicaid eligibility, and top insurers in New York. Rates shown before premium tax credits — most buyers qualify for subsidies.
Silver Premium
$480/mo
Age 40, before credits
Avg Deductible
$3,600
Silver plan
Medicaid
Expanded
Up to 138% FPL
Insurers
12
On marketplace
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Top Health Insurers in New York
1
Compare PlansBlue Cross Blue Shield
Nationwide network
Avg Monthly
$480
Network
Very Large
Rating
4.5/5
2
Compare PlansUnitedHealthcare
Employer plans
Avg Monthly
$510
Network
Large
Rating
4.3/5
3
Compare PlansAetna
CVS integration
Avg Monthly
$495
Network
Large
Rating
4.2/5
4
Compare PlansCigna
Mental health coverage
Avg Monthly
$490
Network
Large
Rating
4.2/5
5
Compare PlansKaiser Permanente
Integrated care
Avg Monthly
$440
Network
Regional
Rating
4.7/5
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Enrollment Requirements & Key Dates
- •Open Enrollment: Nov 1 – Jan 31
- •NY Medicaid covers up to 138% FPL
- •Essential Plan: $0–$20/month for 139–200% FPL (NY-specific)
New York Health Insurance Facts
NY State of Health is the state marketplace — one of the largest enrollments nationally.
Essential Plan provides near-zero premium coverage for 139–200% FPL.
New York has had community rating since 1993 — no age rating allowed.
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