New York
health insurance plans

Compare individual and family health plans from top insurance companies at the lowest available cost.

Health benefits your employees will love

New York
health insurance plans

Compare individual and family health plans from top insurance companies at the lowest available cost.

Need health insurance in New York?
eHealth makes shopping easy.

Navigating New York health insurance plans

Finding the right health insurance plan in New York can be overwhelming. Whether you’re an individual looking for comprehensive coverage or a family seeking a plan to fit everyone’s needs, it’s important to consider factors such as:

Coverage needs

Evaluate what types of medical services you or your family use most frequently. Do you need regular doctor visits, specialist care, or prescription medications?

Budget

Look at both premiums and out-of-pocket costs. Sometimes a plan with a higher premium may save you money overall if you frequently use healthcare services.

Provider network

Ensure your preferred doctors and hospitals are included in the plan’s network to avoid higher out-of-network costs.

Additional benefits

Some plans offer extra perks, like wellness programs, telemedicine, or mental health services, which could be valuable to you or your family’s overall health.

Find health insurance plans for every stage of life

Health insurance

Health insurance exists to protect you from substantial medical costs. Each plan is an agreement between you and the health insurance company about the services they will cover, how much you will pay, and how much they will pay.

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Dental and vision insurance

Can cover everything from routine cleanings and fillings to more comprehensive procedures, usually at a low premium. May cover annual eye exams and/or reduce the cost of contact lenses or glasses.

Find dental plans > Find vision plans >

Short-term insurance

Designed to provide limited health coverage on a temporary basis, at affordable prices. Easy and quick to enroll in.

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Medicare insurance

Shop plans that can reduce costs associated with Part A and Part B Medicare, and cover doctors and prescriptions.

Find Medicare plans >

Types of individual health insurance plans

Costs to expect from your health insurance plan

When you buy an insurance policy, you will pay a premium payment monthly or annually. In exchange for that premium, your insurance provider agrees to cover a portion of your healthcare bills as outlined in your plan policy. You are still responsible for some costs, like deductibles and copays. Here are descriptions of those costs and what you should expect.

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Frequently asked questions

New York defers to the federal Affordable Care Act (ACA) as the authority for health insurance coverage requirements applicable to all U.S. citizens. The ACA no longer requires all individuals to have a minimum level of health coverage. That being said, health insurance can help prevent excessive medical expenses.
New York residents can apply for health insurance during open enrollment ort a special enrollment period. Plans for New York residents are available through the state run exchange, private insurance companies or licensed health insurance brokers like eHealth.
New York residents can expect to pay an average of $834.44 per person for an individual health insurance plan. This is the average monthly premium price of a plan available from eHealth in New York, but actual prices available depend on zip code, age, gender, plan metal level, and other factors. Get a personalized quote to see what may be available for you.
New York runs a state-based health insurance marketplace called NY State of Heath. New York state government is responsible for performing all marketplace functions for the individual market. New York residents apply for and enroll in individual and family health insurance through the marketplace website established and maintained by the state.
Yes, you can purchase your own health insurance in New York. These plans are called Qualified Health Plans and are available on the New York health insurance marketplace, the NY State of Health Marketplace. All of the plans available are ACA-compliant, meaning they cover essential health benefits like emergency services and preventative care.

Most New Yorkers get their health insurance through their employers because they’re usually a better, more affordable option. However, you’re not required to get health insurance from a group plan. If you can find a cheaper option that still provides comprehensive coverage, you’re allowed to buy your own health insurance in New York on the state marketplace.

Additionally, on the marketplace, you can purchase cheap health insurance in New York and determine whether you qualify for subsidies or health care coverage from Medicaid or Child Health Plus.
The NY State of Health Marketplace also offers small business health insurance in New York, making it the state’s primary resource for health insurance when you’re shopping for yourself, your family, or your employees.

Under the Affordable Care Act, businesses with 50 or more employees must offer health insurance. Through the marketplace, you can find tax benefits like deductions and credits for you and your employees.

You can apply for small business health insurance using the marketplace if you have fewer than 101 employees, which is open year-round. You can also purchase plans directly from a health insurance provider outside of the marketplace, but you won’t be eligible to receive tax credits.
The ten essential health benefits covered under ACA health insurance plans in New York are:

Emergency hospital care
Outpatient care
Hospital stays
Mental health services
Prescription drug coverage
Pregnancy and childbirth
Rehabilitative services and treatments
Lab services
Preventive care
Pediatric care, including vision and dental
If you’re looking for affordable health insurance in New York, you may qualify for Medicaid. To qualify for Medicaid, you must have a maximum income of $1,677 per month for an individual and $2,268 for a couple.

Depending on your income, you may qualify for premium tax credits if you don’t qualify for Medicaid. If you qualify, you’ll need to choose a silver-tiered plan in the marketplace to take advantage of these healthcare cost savings.

You can find out if you qualify for tax credits using the New York health insurance marketplace by creating an account and submitting an application. Once your information is processed, you’ll receive a notification about whether you qualify for premium tax credits that reduce your monthly premium costs.
While finding cheap health insurance in New York is possible, this state typically has more expensive health care plans due to the generally higher cost of living, which makes medical expenses higher. The ACA was implemented to help combat rising health insurance costs, but you can expect them to keep increasing each year.

In general, health insurance in New York is more expensive than most other US states, averaging well over the national average even for a Silver tiered insurance plan.
Short-term health insurance in New York is prohibited because all insurance plans must be guaranteed renewable, so plans with limited terms like short-term health insurance plans are not available. Additionally, the state requires that all New York health insurance plans provide essential health benefits, which short-term plans don’t.

Most people utilize short-term health insurance when they’re between jobs to provide gap coverage. However, you have a certain amount of time to apply for individual health insurance coverage through the marketplace after a qualifying life event like job loss and divorce. Therefore, short-term health insurance isn’t necessary for most individuals.

If you don’t qualify for the special enrollment period, you can file for an appeal. Most people qualify if they lost qualifying health coverage within the last two months due to job loss, marriage, a new baby in the family, or if someone on your plan has passed away.

You should report any changes to your income or household to the marketplace as soon as possible because it may change your health insurance options and cost. For instance, if you get a new job, you may no longer qualify for a subsidy.

New Yorkhealth insurance plans

New Yorkhealth insurance plans

Need health insurance in New York?eHealth makes shopping easy.

Navigating New York health insurance plans

Coverage needs

Budget

Provider network

Additional benefits

Find health insurance plans for every stage of life

Health insurance

Dental and vision insurance

Short-term insurance

Medicare insurance

Types of individual health insurance plans​

Costs to expect from your health insurance plan

Our insurance agents are licensed in New York

Fill out the form to get your free quote and connect with an agent today.

Frequently asked questions

Learn more about health insurance in New York

New York
health insurance plans

New York
health insurance plans

Need health insurance in New York?
eHealth makes shopping easy.

Types of individual health insurance plans