New York Residents · Licensed Local Experts

New York Health Insurance
Quotes That Save You Thousands

Compare plans from 6+ top carriers serving New York. Most New York residents pay $0–$150/month with ACA subsidies. Get your free quote in 60 seconds.

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$199avg/month w/ subsidy
6+New York carriers
60sto compare plans
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Licensed in New York
NY State of Health
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How Much Does Health Insurance Cost in New York?

The average benchmark Silver plan in New York costs $498/month for a 40-year-old before subsidies. But here's what most New York residents actually pay:

$199/month
Average New York cost after ACA subsidies
$299Bronze plan
$498Silver plan
$647Gold plan
$797Platinum plan

Costs based on a 40-year-old non-smoker. Your actual rate depends on age, ZIP code, family size, and tobacco use. Get your personalized New York quote →

Top New York Health Insurance Carriers

We compare 6 carriers serving New York residents in real-time. You see every plan available in your ZIP code — not just the ones one company sells.

E
Empire Blue Cross Blue Shield
F
Fidelis Care
H
Healthfirst
M
MetroPlus
O
Oscar
U
UnitedHealthcare

How New York Health Insurance Works

New York residents enroll through NY State of Health. Here's the easy way:

1

Tell Us About You

Answer a few quick questions — age, ZIP code, household, income.

2

Compare New York Plans

Our system pulls every plan available in your New York ZIP code from 6+ carriers.

3

Get Your Subsidy

We instantly check ACA tax credits — most New York residents qualify.

4

Enroll in 5 Min

Pick your favorite plan. Coverage can start as soon as the 1st of next month.

New York Health Insurance FAQ

Quick answers to the most common New York health insurance questions.

How much does health insurance cost in New York?
The benchmark Silver plan in New York averages $498/month for a 40-year-old before subsidies. With ACA premium tax credits, the average New York resident pays $199/month — and many qualify for $0 plans entirely. Your actual cost depends on age, household size, ZIP code, and income. Get your real New York quote in 60 seconds →
Where do I sign up for health insurance in New York?
New York residents enroll through NY State of Health. Open Enrollment runs November 1 – January 15. Outside that window, you can enroll through a Special Enrollment Period if you've had a qualifying life event (job loss, marriage, baby, move, etc.). Medicaid and CHIP enrollment is open year-round if you qualify by income.
Who are the top health insurance carriers in New York?
The major carriers serving New York residents include:
  • Empire Blue Cross Blue Shield
  • Fidelis Care
  • Healthfirst
  • MetroPlus
  • Oscar
  • UnitedHealthcare
Through TrustedQuotes, you compare plans from all of them at once — no need to visit each carrier's website separately.
Do I qualify for New York health insurance subsidies?
If your household income is between 100% – 400% of the Federal Poverty Level (and often higher), you likely qualify for ACA premium tax credits in New York. For a single person that's roughly $14,580 – $58,320/year. Even higher incomes can qualify under recent expanded rules. Our agents check your exact eligibility for free in under 60 seconds.
Can I get New York health insurance with a pre-existing condition?
Yes — guaranteed. Under the Affordable Care Act, all marketplace plans in New York must accept you regardless of pre-existing conditions, and they cannot charge you more because of them. You also can't be denied or charged extra for past or current health issues.
What if I missed Open Enrollment in New York?
You may still have options:
  • Special Enrollment Period — if you've had a qualifying life event in the last 60 days
  • Medicaid — year-round enrollment if you qualify
  • Short-term health plans — coverage can start tomorrow
  • Health sharing ministries — alternative cost-sharing programs
Call us at Speak With a Live Agent — we'll find you something today.
How fast can New York coverage start?
If you enroll by the 15th of the month, New York coverage typically starts the 1st of the following month. During Special Enrollment Periods, coverage may start as early as the 1st of the month after you enroll. Short-term plans can start the next day.

Get Your Free New York Quote Now

It takes 60 seconds. No credit card. No spam. Just real New York plans and prices from a licensed local expert.

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