Find Affordable Coverage in New York
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New York ACA Marketplace Overview
In 2026, approximately 650,000 New York residents are enrolled in ACA Marketplace coverage. New York uses its own state-run exchange for health insurance enrollment.
New York has expanded Medicaid under the ACA, meaning adults earning up to 138% FPL qualify for free or near-free coverage through Medicaid.
How Much Does ACA Coverage Cost in New York?
The benchmark Silver plan (second-lowest-cost Silver plan) in New York costs approximately $558/month before subsidies in 2026. However, most New York residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for New York households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your New York household income.
Top ACA Health Insurance Companies in New York
The following carriers offer ACA Marketplace plans in New York for 2026:
- Oscar Health
- Fidelis Care
- Healthfirst
Plan availability varies by county in New York. Use NY State of Health to see exact plans available in your ZIP code.
ACA Plan Tiers Available in New York
- Bronze: Lowest premiums, highest deductibles. Best for healthy New York residents who rarely need care.
- Silver: Mid-range. Strongly recommended for New York households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for New York residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most New York counties.
When to Enroll in New York
- Open Enrollment: November 1 – January 15 on NY State of Health
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
New York Insurance Resources
- NY State of Health — Official New York enrollment portal
- New York Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit