ACA Health Insurance > Break Down > Health Insurance in New York
Health Insurance New York: Your Roadmap to Affordable Coverage
From NYC to Buffalo—We’ve Got New York Covered.
Hey there, New York neighbor! Looking for health insurance in New York? Whether you’re enrolling for the first time or searching for better coverage, we’re here to help you make sense of your options. No jargon, no pressure—just clear, friendly guidance.
Why Should You Buy Health Insurance in New York?
Without health insurance, even a routine doctor visit can be pricey—never mind emergencies. A good plan gives you peace of mind, access to care, and financial protection.
Why coverage matters in New York:
Around 5.2% of residents under 65 are still uninsured.
The state has a high cost of living—unplanned medical bills hit hard.
New York offers some of the best preventive care access via ACA-compliant plans.
From mental health to annual checkups, coverage helps you stay on top of your wellness and avoid surprise expenses down the line.
Types of Health Insurance Available in New York
Marketplace Plans (ACA via NY State of Health)
New York runs its own health insurance marketplace, NY State of Health, where residents can compare ACA-compliant plans and apply for financial help.
Essential Plan
New York offers a low-cost Essential Plan for lower-income individuals who don’t qualify for Medicaid. Many pay $0 in premiums with no deductible.
Medicare
For those 65+ or with certain disabilities, Medicare provides coverage for hospital stays, outpatient care, and prescriptions—plus optional supplements.
Medicaid (New York Medicaid)
New York Medicaid offers no- or low-cost health coverage for eligible low-income residents, including adults, children, pregnant individuals, and those with disabilities.
Private Insurance
Some residents receive health insurance through their employer or buy private plans directly. We help compare every route side by side.
Compare plans based on price and benefits with us.
Is Health Insurance Required in New York?
There’s no state-level mandate for health insurance in New York, and the federal penalty has been removed. But skipping coverage still comes at a cost.
Without insurance, you risk high medical bills—and miss out on preventive services and mental health care included in ACA plans.
Even though it’s not required, getting health insurance in New York is one of the smartest ways to protect your body, your budget, and your peace of mind.
How Much Does Health Insurance Cost in New York?
Plan costs vary by income, age, family size, and location. Many New Yorkers qualify for premium tax credits and state-based subsidies, including the Essential Plan.
Some pay $0/month thanks to these programs. Others access coverage for under $75/month through NY State of Health. Even middle-income families may qualify for savings.
If you're on Medicare, pricing depends on the plan type—Original, Advantage, or Supplemental coverage.
💡 Add a calculator to help New Yorkers estimate their premium, tax credit, and Essential Plan eligibility.
How to Pick the Right Health Plan for You
Here’s what to consider:
How often do you see a doctor?
What prescriptions do you take?
Do you want to keep your current provider?
How much can you spend monthly and yearly?
Some New Yorkers prioritize low premiums. Others want lower deductibles and broader coverage.
Not sure where to start? Our licensed agents are here to walk you through it step-by-step—with no sales pressure.
Our Health Insurance Services in New York
With a wide range of plans and options, New York’s insurance landscape can be overwhelming. But we make it easy.
Who We Help
We assist:
Freelancers, artists, and gig workers
Seniors planning for Medicare
Families balancing multiple coverage needs
Small business owners and recent grads
Anyone who wants expert guidance
What We Offer
We help with:
NY State of Health and Essential Plan enrollment
Private health insurance
Medicare and Medicaid support
Special needs and dual-eligible plans
Vision, dental, and prescription discounts
And yes—we offer bilingual support in Spanish.
How to Get Started
Compare plans online.
Talk to a New York-based licensed agent (optional).
Enroll online or over the phone.
Boom—you’re covered.
Most Affordable Health Insurance in New York
These three providers offer popular, ACA-compliant plans through NY State of Health:
Fidelis Care – Known for affordability and wide Essential Plan eligibility.
Healthfirst – Strong provider networks across NYC and surrounding areas.
Excellus BlueCross BlueShield – Trusted in upstate communities with customizable plans.
We’ll help you compare features, premiums, and networks so you find the perfect fit.
Top 3 Most Uninsured Cities in New York
Though New York’s uninsured rate is lower than most states, these areas still face higher gaps:
Bronx, NY – Many residents are eligible but unenrolled due to language or tech barriers.
Schenectady, NY – Part-time workers and self-employed individuals often miss out on coverage.
Niagara Falls, NY – Access and affordability continue to be challenges in parts of upstate.
No matter where you live, we’re here to help you find affordable coverage that works.
Final Tip from Your Friendly Guide
In New York, having health insurance isn’t just smart—it’s a safeguard for your body, your bank account, and your future.
If you're ready to explore your options or get help enrolling, we’re just a click or call away. Let’s get you covered today.
Just a heads-up! We looked at our own data to figure out the average health insurance prices as of January 2025. These numbers are just meant to give you an idea—your actual quote might be different depending on your personal situation.
Also, our lawyers want us to remind you: this info is general and doesn’t change what’s actually written in your real insurance policy, which can be different depending on where you live. It’s always a good idea to chat with your own trusted advisor if you have specific questions.
This post is just here to help you get helpful info and tips—not to replace real advice. Plus, if we mention anything from other people or companies, just know that’s their opinion, not ours. And remember, not all plans or discounts are available everywhere!