Health insurance prices in New York (2026)
264 marketplace plans from 12 insurers across 61 counties. Official marketplace: NY State of Health.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
Community rating: in this state everyone pays the same premium regardless of age, so these prices apply at any adult age.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $434–$1,447 (typical $822) · Silver $582–$1,891 (typical $1,097) · Gold $753–$2,288 (typical $1,360) · Platinum $918–$2,769 (typical $1,713) · Catastrophic $185–$857 (typical $428)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 61) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | 55 | 19 | $434 | $557 | $753 | $972 | Ambetter from Fidelis Care Bronze HSA, Bronze, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental |
| Healthfirst PHSP | 8 | 21 | $695 | $749 | $1,004 | $1,215 | Healthfirst Bronze Leaf, Bronze, ST, INN, Dep25, Pediatric Dental, Fitness & Wellness Rewards, PCP 3 |
| MVP Health Care | 49 | 23 | $671 | $775 | $1,006 | $1,207 | MVP Premier Plus Bronze 2, Expanded Bronze, NS, INN, NY Individual On Exchange HMO, Dep25, 3 PCP, Acupuncture, Preferred Facilities, Telemedicine, Wellness |
| Independent Health Benefits | 8 | 8 | $786 | $789 | $1,038 | $1,329 | Standard, Bronze, ST, INN, IHC Network Marketplace, Dep25 |
| Excellus BlueCross BlueShield (NY)Lifetime Healthcare (Blue Cross Blue Shield company) | 38 | 49 | $677 | $862 | $1,104 | $1,440 | Bronze Secure Plus 3, Expanded Bronze, NS, INN, Univera EPO Local, Dep25, Adult/Family Dental, Adult Vision, Acupuncture |
| MetroPlus | 5 | 12 | $785 | $797 | $1,105 | $1,274 | BronzePlus-B1, ST, INN, Pediatric Dental, Dep25, Metro-MP |
| Anthem Blue Cross Blue Shield (NY)Elevance Health (Blue Cross Blue Shield company) | 27 | 17 | $783 | $827 | $1,117 | $1,396 | Anthem Gatekeeper X, Bronze, ST, INN, Individual Network, Dep 25, Pediatric Dental |
| Oscar Health | 8 | 12 | $813 | $870 | $1,125 | $1,404 | Bronze Classic, Bronze, ST, INN, Circle, Dep25, Wellness Rewards |
| CDPHP | 28 | 25 | $806 | $871 | $1,179 | $1,479 | HDHMO HSA Qualified 40 Bronze, ST, INN, HMO Network, Dep25 |
| Highmark Blue Cross Blue Shield (NY)Highmark Health (Blue Cross Blue Shield company) | 21 | 48 | $793 | $915 | $1,239 | $1,601 | my Blue Access EX Destination 65 Bronze, Bronze, NS, INN, Blue Marketplace, Dep25, Pediatric Dental |
| UnitedHealthcareUnitedHealth Group | 14 | 13 | $1,116 | $1,265 | $1,622 | $1,995 | UHC Compass HSA Bronze ST INN Pediatric Dental Dep 25 |
| EmblemHealth | 27 | 17 | $1,115 | $1,404 | $1,835 | $2,220 | EmblemHealth Millennium, Bronze, ST, INN, Millennium Network, Dep25, Pediatric Dental |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $434 | $822 | $1,447 | 70 | $5,500 | $10,100 | $19,070 |
| Silver | $582 | $1,097 | $1,891 | 70 | $2,450 | $10,150 | $22,211 |
| Gold | $753 | $1,360 | $2,288 | 64 | $775 | $10,150 | $25,094 |
| Platinum | $918 | $1,713 | $2,769 | 52 | $0 | $2,000 | $23,702 |
| CatastrophicUnder 30 or hardship exemption only | $185 | $428 | $857 | 8 | $10,600 | $10,600 | $15,742 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in New York
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Albany County | 6 | 101 | $507 | $814 | $1,101 |
| Allegany County | 4 | 69 | $434 | $758 | $985 |
| Bronx County | 7 | 93 | $647 | $808 | $1,088 |
| Broome County | 5 | 91 | $509 | $883 | $1,120 |
| Cattaraugus County | 4 | 69 | $434 | $758 | $985 |
| Cayuga County | 3 | 59 | $509 | $902 | $1,159 |
| Chautauqua County | 4 | 69 | $434 | $758 | $985 |
| Chemung County | 3 | 59 | $509 | $902 | $1,159 |
| Chenango County | 4 | 83 | $525 | $883 | $1,095 |
| Clinton County | 5 | 104 | $754 | $930 | $1,238 |
| Columbia County | 6 | 101 | $507 | $814 | $1,101 |
| Cortland County | 3 | 59 | $509 | $902 | $1,159 |
| Dutchess County | 6 | 90 | $598 | $897 | $1,216 |
| Erie County | 4 | 69 | $434 | $758 | $985 |
| Essex County | 6 | 115 | $525 | $927 | $1,220 |
| Franklin County | 4 | 83 | $525 | $883 | $1,095 |
| Fulton County | 7 | 123 | $507 | $821 | $1,103 |
| Genesee County | 5 | 91 | $434 | $733 | $941 |
| Greene County | 6 | 101 | $507 | $814 | $1,101 |
| Hamilton County | 4 | 83 | $525 | $883 | $1,095 |
| Herkimer County | 3 | 73 | $754 | $927 | $1,194 |
| Jefferson County | 4 | 83 | $525 | $883 | $1,095 |
| Kings County | 7 | 93 | $647 | $808 | $1,088 |
| Lewis County | 4 | 83 | $525 | $883 | $1,095 |
| Livingston County | 3 | 59 | $544 | $705 | $896 |
| Madison County | 4 | 83 | $525 | $883 | $1,095 |
| Monroe County | 3 | 59 | $544 | $705 | $896 |
| Montgomery County | 6 | 113 | $693 | $823 | $1,105 |
| Nassau County | 6 | 77 | $638 | $809 | $1,040 |
| New York County | 7 | 93 | $647 | $808 | $1,088 |
| Niagara County | 4 | 69 | $434 | $758 | $985 |
| Oneida County | 4 | 85 | $525 | $883 | $1,012 |
| Onondaga County | 3 | 59 | $509 | $902 | $1,159 |
| Ontario County | 3 | 59 | $544 | $705 | $896 |
| Orange County | 6 | 90 | $598 | $897 | $1,216 |
| Orleans County | 5 | 91 | $434 | $733 | $941 |
| Oswego County | 3 | 59 | $525 | $793 | $1,008 |
| Otsego County | 4 | 82 | $754 | $929 | $1,207 |
| Putnam County | 5 | 66 | $598 | $858 | $1,101 |
| Queens County | 7 | 93 | $647 | $808 | $1,088 |
| Rensselaer County | 6 | 101 | $507 | $814 | $1,101 |
| Richmond County | 7 | 93 | $647 | $808 | $1,088 |
| Rockland County | 5 | 70 | $647 | $917 | $1,185 |
| Saratoga County | 6 | 101 | $507 | $814 | $1,101 |
| Schenectady County | 6 | 101 | $507 | $814 | $1,101 |
| Schoharie County | 5 | 90 | $693 | $819 | $1,103 |
| Schuyler County | 3 | 59 | $509 | $902 | $1,159 |
| Seneca County | 3 | 59 | $544 | $705 | $896 |
| St. Lawrence County | 4 | 83 | $525 | $883 | $1,095 |
| Steuben County | 3 | 59 | $509 | $902 | $1,159 |
| Suffolk County | 6 | 77 | $638 | $809 | $1,040 |
| Sullivan County | 5 | 66 | $598 | $858 | $1,101 |
| Tioga County | 4 | 83 | $509 | $848 | $1,104 |
| Tompkins County | 2 | 46 | $806 | $918 | $1,202 |
| Ulster County | 6 | 90 | $598 | $897 | $1,216 |
| Warren County | 6 | 101 | $507 | $814 | $1,101 |
| Washington County | 6 | 101 | $507 | $814 | $1,101 |
| Wayne County | 3 | 59 | $544 | $705 | $896 |
| Westchester County | 7 | 103 | $647 | $903 | $1,177 |
| Wyoming County | 5 | 91 | $434 | $733 | $941 |
| Yates County | 3 | 59 | $544 | $705 | $896 |
To compare insurance plans side by side (or with health sharing), open your county.