Private and PPO health plans in New York
Private plans are bought directly from insurers, year-round. We compare Ameristead PPO plans on the Cigna PPO network ($0 preventive care, $0 teledoctor), UnitedHealthOne and First Health fixed indemnity. Call (813) 724-3314 (Mon–Sat 8 AM–9 PM ET) or get a free quote; no fee for our help.
New York health insurance facts for 2027
| Marketplace | NY State of Health (state-run) |
|---|---|
| 2027 enrollment | Nov. 1, 2026 – Jan. 31, 2027; Dec. 15 for Jan. 1 (source) |
| Benchmark, age 40 | $1,041/mo (+$224, +27.4%; KFF) |
| State insurance department (questions and consumer help) | New York State Department of Financial Services |
Marketplace enrollment in New York
New York runs its own exchange, NY State of Health, one of 22 State-based Exchanges CMS lists for 2027, so residents apply there rather than on HealthCare.gov. The New York State Department of Health announced that open enrollment for 2027 qualified health plans runs from November 1, 2026, through January 31, 2027, and encouraged enrollment by December 15, 2026 for coverage beginning January 1, 2027 (source).
2027 Marketplace premiums in New York
KFF: $1,041 a month for a 40-year-old before subsidies, up from $817 (+$224, +27.4%). That is $338 above the U.S. average ($703); 5th-highest of 50 states. Its 27.4% rise ranks 2nd-highest (U.S.: +12.5%).
| Tier | 2026 | 2027 |
|---|---|---|
| Bronze (lowest) | $610 | $672 |
| Silver (lowest) | $788 | $880 |
| Benchmark silver | $817 | $1,041 |
| Gold (lowest) | $1,057 | $1,135 |
Neighbors (2027 benchmark, change): New Jersey $665 (+22.0%); Pennsylvania $648 (+13.3%); Connecticut $1,005 (+15.5%); Massachusetts $551 (+11.5%); Vermont $1,313 (+1.1%).
Benchmark history (KFF): 2014 $343 · 2018 $506 · 2022 $592 · 2024 $736 · 2025 $790 · 2026 $817 · 2027 $1,041. That is +203% since 2014.
Research averages, not quotes; changes calculated by us. Full table: cost index.
Coverage in New York: enrollment, insurers, Medicaid
Marketplace plan selections fell 5.0% from 2022 to 2026, and fell 4.9% from 2025 to 2026.
| Year | Plan selections | Insurers |
|---|---|---|
| 2026 | 210,704 | 12 |
| 2025 | 221,534 | 12 |
| 2024 | 288,681 | 12 |
| 2023 | 214,052 | 12 |
| 2022 | 221,895 | 12 |
2024 coverage mix (KFF, Census data): uninsured 4.9% (U.S. 8.2%); employer 46.6%; Medicaid 29.1%; Medicare 13.5%; individual 5.4%.
Medicaid expansion: adopted, implemented 1/1/2014 (KFF). Medicaid income limits as of January 2026 (KFF): 138% of the federal poverty level for parents in a family of three, 138% for other adults. KFF notes: In New York and Virginia, Section 1931 Medicaid coverage is based on a dollar threshold updated annually by the CPI-U. KFF notes: New York provides coverage through the Essential Plan (EP) for adults with incomes 138%-250% FPL; the coverage replaces the state’s Basic Health Plan that insured adults with incomes 138%-200% FPL.
Getting help in New York
We help clients by phone and video in New York City, Buffalo, Rochester, Albany, Syracuse and statewide.
Frequently asked questions
Does New York use HealthCare.gov?
No. New York has its own state-based Marketplace, NY State of Health (https://nystateofhealth.ny.gov/), listed by CMS among the State-based Exchanges for plan year 2027.
When is 2027 open enrollment in New York?
The New York State Department of Health announced that open enrollment for 2027 qualified health plans runs from November 1, 2026, through January 31, 2027, and encouraged enrollment by December 15, 2026 for coverage beginning January 1, 2027.
Sources (checked November 11, 2026)
- NY State of Health: open enrollment
- New York State Department of Financial Services
- KFF State Health Facts, CMS and HealthCare.gov pages, linked beside each figure above
Plan availability and eligibility are determined by the carrier.