Independent Health Benefits in New York health insurance (2026)
Independent Health Benefits sells 8 marketplace plans in 8 of 61 New York counties for 2026, from $786/mo; typical Silver $1,038/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
Independent Health Benefits plans in New York
- Bronze $786–$793
- Silver $1,033–$1,043
- Gold $1,322–$1,335
- Platinum $1,632–$1,648
| Plan | Network | Monthly | Deductible | Out-of-pocket max | Bad year | Details |
|---|---|---|---|---|---|---|
| Bronze 2 plans · $786–$793/mo | ||||||
| Standard, Bronze, ST, INN, IHC Network Marketplace, Dep25 Expanded Bronze | EPO | $786in 8 counties | $4,125 | $10,150 | $19,577 | — |
| Standard, Bronze, ST, INN, IHC Network Marketplace, Dep29 Expanded Bronze | EPO | $793in 8 counties | $4,125 | $10,150 | $19,667 | — |
| Silver 2 plans · $1,033–$1,043/mo | ||||||
| Standard, Silver, ST, INN, IHC Network Marketplace, Dep25 | EPO | $1,033in 8 counties | $2,450 | $10,150 | $22,549 | — |
| Standard, Silver, ST, INN, IHC Network Marketplace, Dep29 | EPO | $1,043in 8 counties | $2,450 | $10,150 | $22,668 | — |
| Gold 2 plans · $1,322–$1,335/mo | ||||||
| Standard, Gold, ST, INN, IHC Network Marketplace, Dep25 | EPO | $1,322in 8 counties | $775 | $10,150 | $26,017 | — |
| Standard, Gold, ST, INN, IHC Network Marketplace, Dep29 | EPO | $1,335in 8 counties | $775 | $10,150 | $26,170 | — |
| Platinum 2 plans · $1,632–$1,648/mo | ||||||
| Standard, Platinum, ST, INN, IHC Network Marketplace, Dep25 | EPO | $1,632in 8 counties | $0 | $2,000 | $21,583 | — |
| Standard, Platinum, ST, INN, IHC Network Marketplace, Dep29 | EPO | $1,648in 8 counties | $0 | $2,000 | $21,771 | — |
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 Independent Health Benefits sells plans
| County | Plans | Price range | Typical Silver |
|---|---|---|---|
| Allegany County | 8 | $786–$1,648 | $1,038 |
| Cattaraugus County | 8 | $786–$1,648 | $1,038 |
| Chautauqua County | 8 | $786–$1,648 | $1,038 |
| Erie County | 8 | $786–$1,648 | $1,038 |
| Genesee County | 8 | $786–$1,648 | $1,038 |
| Niagara County | 8 | $786–$1,648 | $1,038 |
| Orleans County | 8 | $786–$1,648 | $1,038 |
| Wyoming County | 8 | $786–$1,648 | $1,038 |
Other insurers in New York
- Ambetter (Centene) Silver $753/mo
- Healthfirst PHSP Silver $1,004/mo
- MVP Health Care Silver $1,006/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
- CDPHP Silver $1,179/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 Independent Health Benefits health insurance cost in New York?
For plan year 2026, Independent Health Benefits marketplace plans in New York cost $786 to $1,648 a month for one 40-year-old before tax credits (Catastrophic plans not counted). Typical (median) prices by metal level: Bronze $789, Silver $1,038, Gold $1,329, Platinum $1,640. Prices depend on the county.
What is the cheapest Independent Health Benefits plan in New York?
Standard, Bronze, ST, INN, IHC Network Marketplace, Dep25 (Expanded Bronze), from $786 a month for a 40-year-old before tax credits, in the county where it costs least.
Where does Independent Health Benefits sell marketplace plans in New York?
In 8 of New York's 61 counties, including Allegany County, Cattaraugus County, Chautauqua County, Erie County, Genesee County, Niagara County and others.
How do I buy a Independent Health Benefits 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.