CDPHP in New York health insurance (2026)
CDPHP sells 25 marketplace plans in 28 of 61 New York counties for 2026, from $806/mo; typical Silver $1,179/mo, before tax credits. Buy on 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).
Who needs coverage?
Showing prices for one 40-year-old. Add everyone on the plan to see your household's price; every insurance price on this page updates.
NY is community rated: every adult pays the same, and family prices are set multiples of one adult's price (couple 2×, parent and children 1.7×, family 2.85×). List yourself and your spouse first. Out-of-pocket maximums and bad years use the family maximum (twice the individual amount for nearly every plan); deductibles are shown per person. How we calculate this
CDPHP plans in New York
- Bronze $806–$944
- Silver $1,095–$1,273
- Gold $1,373–$1,594
- Platinum $1,677–$1,968
- Catastrophic $367–$414
| Plan | Network | Monthly | Deductible | Out-of-pocket max | Bad year | Details |
|---|---|---|---|---|---|---|
| Bronze 8 plans · $806–$944/mo | ||||||
| HDHMO HSA Qualified 40 Bronze, ST, INN, HMO Network, Dep25 | HMO | $806–$927in 28 counties | $5,500 | $8,050 | $17,728–$19,170 | — |
| HDHMO HSA Qualified 40 Bronze, ST, INN, HMO Network, Dep29 | HMO | $809–$930in 28 counties | $5,500 | $8,050 | $17,760–$19,207 | — |
| HDHMO HSA Qualified 44, Bronze, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | HMO | $817–$939in 28 counties | $6,250 | $7,300 | $17,107–$18,569 | — |
| HDHMO HSA Qualified 60, Bronze, ST, INN, HMO Network, Dep25 | HMO | $818–$940in 28 counties | $4,125 | $10,150 | $19,966–$21,430 | — |
| HDHMO HSA Qualified 45, Bronze, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | HMO | $818–$940in 28 counties | $7,100 | $7,100 | $16,920–$18,385 | — |
| HDHMO HSA Qualified 44, Bronze, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | HMO | $820–$942in 28 counties | $6,250 | $7,300 | $17,139–$18,607 | — |
| HDHMO HSA Qualified 60, Bronze, ST, INN, HMO Network, Dep29 | HMO | $821–$943in 28 counties | $4,125 | $10,150 | $19,999–$21,468 | — |
| HDHMO HSA Qualified 45, Bronze, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | HMO | $821–$944in 28 counties | $7,100 | $7,100 | $16,953–$18,423 | — |
| Silver 6 plans · $1,095–$1,273/mo | ||||||
| HDHMO HSA Qualified 33, Silver, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | HMO | $1,095–$1,262in 28 counties | $3,500 | $7,000 | $20,135–$22,141 | — |
| HDHMO HSA Qualified 33, Silver, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | HMO | $1,098–$1,266in 28 counties | $3,500 | $7,000 | $20,180–$22,193 | — |
| HMO Copayment 30, Silver, ST, INN, HMO Network, Dep25 | HMO | $1,100–$1,268in 28 counties | $2,450 | $10,150 | $23,345–$25,361 | — |
| HDHMO HSA Qualified 35 Silver, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | HMO | $1,100–$1,269in 28 counties | $2,850 | $7,050 | $20,256–$22,273 | — |
| HMO Copayment 30, Silver, ST, INN, HMO Network, Dep29 | HMO | $1,103–$1,272in 28 counties | $2,450 | $10,150 | $23,390–$25,413 | — |
| HDHMO HSA Qualified 35 Silver, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | HMO | $1,104–$1,273in 28 counties | $2,850 | $7,050 | $20,301–$22,325 | — |
| Gold 4 plans · $1,373–$1,594/mo | ||||||
| HMO Triple Zero Copayment 24, Gold, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | HMO | $1,373–$1,586in 28 counties | $0 | $8,700 | $25,180–$27,731 | — |
| HMO Copayment 20, Gold, ST, INN, HMO Network, Dep25 | HMO | $1,376–$1,589in 28 counties | $775 | $10,150 | $26,657–$29,213 | — |
| HMO Triple Zero Copayment 24, Gold, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | HMO | $1,378–$1,591in 28 counties | $0 | $8,700 | $25,237–$27,797 | — |
| HMO Copayment 20, Gold, ST, INN, HMO Network, Dep29 | HMO | $1,380–$1,594in 28 counties | $775 | $10,150 | $26,714–$29,279 | — |
| Platinum 6 plans · $1,677–$1,968/mo | ||||||
| HMO Copayment 10, Platinum, ST, INN, HMO Network, Dep25 | HMO | $1,677–$1,939in 28 counties | $0 | $2,000 | $22,122–$25,267 | — |
| HMO Copayment 14, Platinum, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | HMO | $1,678–$1,940in 28 counties | $0 | $3,000 | $23,136–$26,283 | — |
| HMO Copayment 10, Platinum, ST, INN, HMO Network, Dep29 | HMO | $1,683–$1,946in 28 counties | $0 | $2,000 | $22,192–$25,349 | — |
| HMO Copayment 14, Platinum, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | HMO | $1,684–$1,947in 28 counties | $0 | $3,000 | $23,206–$26,365 | — |
| HMO Hybrid 13, Platinum, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | HMO | $1,696–$1,961in 28 counties | $200 | $6,000 | $26,354–$29,536 | — |
| HMO Hybrid 13, Platinum, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | HMO | $1,702–$1,968in 28 counties | $200 | $6,000 | $26,424–$29,619 | — |
| Catastrophic 1 plan · $367–$414/mo | ||||||
| HDHMO HSA Qualified 50, Catastrophic, ST, INN, HMO Network, Dep25 | HMO | $367–$414in 5 counties | $10,600 | $10,600 | $15,000–$15,572 | — |
Each plan's price range runs across the counties where it is sold. Open a county for exact prices and to compare, save or check a plan.
Where CDPHP sells plans
| County | Plans | Price range | Typical Silver |
|---|---|---|---|
| Albany County | 24 | $808–$1,706 | $1,102 |
| Broome County | 24 | $806–$1,702 | $1,100 |
| Chenango County | 24 | $927–$1,968 | $1,268 |
| Clinton County | 25 | $927–$1,968 | $1,268 |
| Columbia County | 24 | $808–$1,706 | $1,102 |
| Dutchess County | 24 | $920–$1,953 | $1,258 |
| Essex County | 24 | $927–$1,968 | $1,268 |
| Franklin County | 24 | $927–$1,968 | $1,268 |
| Fulton County | 24 | $808–$1,706 | $1,102 |
| Greene County | 24 | $808–$1,706 | $1,102 |
| Hamilton County | 24 | $927–$1,968 | $1,268 |
| Herkimer County | 25 | $927–$1,968 | $1,268 |
| Jefferson County | 24 | $927–$1,968 | $1,268 |
| Lewis County | 24 | $927–$1,968 | $1,268 |
| Madison County | 24 | $927–$1,968 | $1,268 |
| Montgomery County | 25 | $808–$1,706 | $1,102 |
| Oneida County | 24 | $927–$1,968 | $1,268 |
| Orange County | 24 | $920–$1,953 | $1,258 |
| Otsego County | 25 | $927–$1,968 | $1,268 |
| Rensselaer County | 24 | $808–$1,706 | $1,102 |
| Saratoga County | 24 | $808–$1,706 | $1,102 |
| Schenectady County | 24 | $808–$1,706 | $1,102 |
| Schoharie County | 25 | $808–$1,706 | $1,102 |
| St. Lawrence County | 24 | $927–$1,968 | $1,268 |
| Tioga County | 24 | $806–$1,702 | $1,100 |
| Ulster County | 24 | $920–$1,953 | $1,258 |
| Warren County | 24 | $808–$1,706 | $1,102 |
| Washington County | 24 | $808–$1,706 | $1,102 |
Other insurers in New York
- Ambetter (Centene) Silver $753/mo
- Healthfirst PHSP Silver $1,004/mo
- MVP Health Care Silver $1,006/mo
- Independent Health Benefits Silver $1,038/mo
- Excellus BlueCross BlueShield (NY) Silver $1,104/mo
- MetroPlus Silver $1,105/mo
- Anthem Blue Cross Blue Shield (NY) Silver $1,117/mo
- Oscar Health Silver $1,125/mo
- Highmark Blue Cross Blue Shield (NY) Silver $1,239/mo
- UnitedHealthcare Silver $1,622/mo
- EmblemHealth Silver $1,835/mo
All New York prices · Sorted by typical Silver price.
Frequently asked questions
How much does CDPHP health insurance cost in New York?
For plan year 2026, CDPHP marketplace plans in New York cost $806 to $1,968 a month for one 40-year-old before tax credits (Catastrophic plans not counted). Typical (median) prices by metal level: Bronze $871, Silver $1,179, Gold $1,479, Platinum $1,815. Prices depend on the county.
What is the cheapest CDPHP plan in New York?
HDHMO HSA Qualified 40 Bronze, ST, INN, HMO Network, Dep25 (Bronze), from $806 a month for a 40-year-old before tax credits, in the county where it costs least.
Where does CDPHP sell marketplace plans in New York?
In 28 of New York's 61 counties, including Albany County, Broome County, Chenango County, Clinton County, Columbia County, Dutchess County and others.
How do I buy a CDPHP plan in New York?
On NY State of Health (https://nystateofhealth.ny.gov/), the official marketplace for New York, where you also apply for a tax credit. HealthCoveragePrices does not sell plans.