New York health insurance & ACA Marketplace plans
Compare Marketplace coverage available in New York with a licensed independent agent. We check which plans and carriers are actually offered in your ZIP code, free, and with no obligation to enroll.
- Applications go through NY State of Health, New York's own health insurance exchange
- New York has expanded Medicaid
- Open Enrollment: November 1, 2026 to January 15, 2027
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New York
What to know about coverage in New York
How enrollment works here
New York operates its own health insurance exchange, NY State of Health. State-based exchanges set their own enrollment dates and their own rules about how agents may assist consumers, so the process differs from the federal Marketplace.
Medicaid in New York
New York expanded Medicaid under the ACA. Adults with household income below roughly 138% of the Federal Poverty Level may qualify for Medicaid instead of a subsidized Marketplace plan. If your income is near that line it is worth checking both paths. An agent can point you to the right application.
What plans cost
Premiums in New York depend on your rating area, the ages of everyone covered, tobacco use, and which carriers file rates where you live. Because of that, no honest source can quote you a price before checking your ZIP code. What we can tell you is how the savings math works, and then show you real plans inside the secure enrollment platform.
New York requires agent review first
Watch out for subsidy scams
Questions
New York ACA FAQ
When is Open Enrollment in New York?
New York runs its own exchange (NY State of Health), and state exchanges sometimes set different enrollment dates than the federal Marketplace. The federal window for 2027 coverage runs November 1, 2026 through January 15, 2027. Confirm your state's dates before relying on them.
Where do I apply for coverage in New York?
Residents of New York apply through NY State of Health, New York's own health insurance exchange. We can walk you through that process, and where available help you complete it inside a secure CMS-certified enrollment platform.
Does New York have expanded Medicaid?
Yes. New York has expanded Medicaid, so adults with income below roughly 138% of the Federal Poverty Level may qualify for Medicaid rather than a subsidized Marketplace plan. An agent can help you figure out which path applies.
Can I be denied coverage in New York for a pre-existing condition?
No. ACA Marketplace plans cannot deny you, charge you more, or exclude treatment because of a pre-existing condition. Premiums vary by age, location, tobacco use and plan tier, not health status.
What does your help cost?
Nothing. Licensed agents are compensated by the carrier when someone enrolls, and the premium is the same whether you use an agent or enroll on your own.
Other states we serve
Our licensed agent(s) transact insurance only in states where they hold an active license. We do not provide insurance services in states where we are not licensed. This is a solicitation for insurance. Coverage availability, premiums, and benefits vary by state, plan, and individual circumstances. Not all products are available in all areas.
See what is available in New York
A licensed agent will review verified options for your ZIP code. Free, with no obligation to enroll.
My Health Enrollment is a private insurance agency. We are not affiliated with, endorsed by, or acting on behalf of any government agency, including the Centers for Medicare & Medicaid Services (CMS) or Healthcare.gov.