Health insurance prices in Nassau County, NY (2026)
77 marketplace plans from 6 insurers. Cheapest plan $638/mo; typical Silver $1,040/mo. Official marketplace: NY State of Health (enter your ZIP for your real price and tax credit).
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). Rating Area 8.
Community rating: everyone in this state pays the same premium regardless of age.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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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 $638–$1,417 (typical $809) · Silver $855–$1,840 (typical $1,040) · Gold $1,107–$2,217 (typical $1,224) · Platinum $1,351–$2,685 (typical $1,638) · Catastrophic $271–$829 (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.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | 15 | $638 | $664 | $888 | $1,147 | Ambetter from Fidelis Care Bronze HSA, Bronze, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental | |
| Healthfirst PHSP | 21 | $695 | $710 | $966 | $1,170 | Healthfirst Bronze Leaf, Bronze, ST, INN, Dep25, Pediatric Dental, Fitness & Wellness Rewards, PCP 3 | |
| Oscar Health | 12 | $813 | $815 | $1,055 | $1,318 | Bronze Classic, Bronze, ST, INN, Circle, Dep25, Wellness Rewards | |
| Anthem Blue Cross Blue Shield (NY)Elevance Health (Blue Cross Blue Shield company) | 8 | $805 | $822 | $1,110 | $1,388 | Anthem Gatekeeper X, Bronze, ST, INN, Individual Network, Dep 25, Pediatric Dental | |
| EmblemHealth | 8 | $1,205 | $1,224 | $1,599 | $1,934 | EmblemHealth Millennium, Bronze, ST, INN, Millennium Network, Dep25, Pediatric Dental | |
| UnitedHealthcareUnitedHealth Group | 13 | $1,116 | $1,265 | $1,622 | $1,995 | UHC Compass HSA Bronze ST INN Pediatric Dental Dep 25 |
All 77 plans in Nassau County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | Ambetter from Fidelis Care Catastrophic, Catastrophic, ST, INN, Fidelis Care HBX Network, Free Telemedicine Prgroam, Pediatric Dental | Catastrophic | HMO | $271 | $10,600 | $10,600 | $13,852 | |
| Healthfirst PHSP | Healthfirst Green Leaf, Catastrophic, ST, INN, Pediatric Dental, Fitness & Wellness Rewards, PCP 3 | Catastrophic | HMO | $428 | $10,600 | $10,600 | $15,742 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Bronze HSA, Bronze, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental | Bronze | HMO | $638 | $5,500 | $8,050 | $15,703 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Bronze, Bronze, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental | Bronze | HMO | $659 | $4,125 | $10,150 | $18,059 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Bronze HSA, Bronze, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine Program, Pediatric Dental | Bronze | HMO | $670 | $5,500 | $8,050 | $16,085 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Bronze, Bronze, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine Program, Pediatric Dental | Bronze | HMO | $692 | $4,125 | $10,150 | $18,453 | |
| Healthfirst PHSP | Healthfirst Bronze Leaf, Bronze, ST, INN, Dep25, Pediatric Dental, Fitness & Wellness Rewards, PCP 3 | Expanded Bronze | HMO | $695 | $4,125 | $10,150 | $18,485 | |
| Healthfirst PHSP | Healthfirst Bronze Leaf, Bronze, ST, INN, Dep29, Pediatric Dental, Fitness & Wellness Rewards, PCP 3 | Expanded Bronze | HMO | $701 | $4,125 | $10,150 | $18,568 | |
| Healthfirst PHSP | Healthfirst Bronze Leaf Premier, Bronze, NS, INN, Dep25, Family Dental, Family Vision, Telemedicine, Fitness & Wellness Rewards | Expanded Bronze | HMO | $719 | $5,000 | $9,600 | $18,225 | |
| Healthfirst PHSP | Healthfirst Bronze Leaf Premier, Bronze, NS, INN, Dep29, Family Dental, Family Vision, Telemedicine, Fitness & Wellness Rewards | Expanded Bronze | HMO | $726 | $5,000 | $9,600 | $18,311 | |
| Anthem Blue Cross Blue Shield (NY) | Anthem Gatekeeper X, Bronze, ST, INN, Individual Network, Dep 25, Pediatric Dental | Expanded Bronze | HMO | $805 | $4,125 | $10,150 | $19,808 | |
| Oscar Health | Bronze Classic, Bronze, ST, INN, Circle, Dep25, Wellness Rewards | Expanded Bronze | EPO | $813 | $4,125 | $10,150 | $19,902 | |
| Oscar Health | Bronze Classic, Bronze, ST, INN, Circle, Dep29, Wellness Rewards | Expanded Bronze | EPO | $817 | $4,125 | $10,150 | $19,957 | |
| UnitedHealthcare | UHC Compass Catastrophic ST INN Pediatric Dental | Catastrophic | HMO | $829 | $10,600 | $10,600 | $20,547 | |
| Anthem Blue Cross Blue Shield (NY) | Anthem Gatekeeper X, Bronze, ST, INN, Individual Network, Dep 29, Pediatric Dental | Expanded Bronze | HMO | $839 | $4,125 | $10,150 | $20,220 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Silver, Silver, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental | Silver | HMO | $855 | $2,450 | $10,150 | $20,415 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Silver+, Silver, NS, INN, Fidelis Care HBX Network, Dep 25, Family Vision, Free Telemedicine Program, Family Dental | Silver | HMO | $877 | $2,450 | $10,150 | $20,676 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Silver, Silver, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine Program, Pediatric Dental | Silver | HMO | $898 | $2,450 | $10,150 | $20,928 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Silver+, Silver, NS, INN, Fidelis Care HBX Network, Dep29, Family Vision, Free Telemedicine Program, Family Dental | Silver | HMO | $921 | $2,450 | $10,150 | $21,202 | |
| Healthfirst PHSP | Healthfirst Silver Leaf, Silver, ST, INN, Dep25, Pediatric Dental, Fitness & Wellness Rewards, PCP 1 | Silver | HMO | $928 | $2,450 | $10,150 | $21,290 | |
| Healthfirst PHSP | Healthfirst Silver Leaf, Silver, ST, INN, Dep29, Pediatric Dental, Fitness & Wellness Rewards, PCP 1 | Silver | HMO | $938 | $2,450 | $10,150 | $21,402 | |
| Healthfirst PHSP | Healthfirst Silver Leaf Premier Plus, Silver, NS, INN, Dep25, Family Dental, Family Vision, Free Telemedicine, Fitness & Wellness Rewards, PCP 1 | Silver | HMO | $966 | $2,100 | $9,200 | $20,790 | |
| Healthfirst PHSP | Healthfirst Silver Leaf Premier, Silver, NS, INN, Dep25, Family Dental, Family Vision, No Deductible PCP Visits, Free Telemedicine, Fitness & Wellness Rewards | Silver | HMO | $967 | $3,500 | $9,200 | $20,806 | |
| Healthfirst PHSP | Healthfirst Silver Leaf Premier Plus, Silver, NS, INN, Dep29, Family Dental, Family Vision, Free Telemedicine, Fitness & Wellness Rewards, PCP 1 | Silver | HMO | $976 | $2,100 | $9,200 | $20,906 | |
| Healthfirst PHSP | Healthfirst Silver Leaf Premier, Silver, NS, INN, Dep29, Family Dental, Family Vision, No Deductible PCP Visits, Free Telemedicine, Fitness & Wellness Rewards | Silver | HMO | $977 | $3,500 | $9,200 | $20,922 | |
| Oscar Health | Silver Simple PCP Saver, Silver, NS, INN, Circle, Dep25, Wellness Rewards | Silver | EPO | $1,037 | $7,300 | $10,100 | $22,543 | |
| Oscar Health | Silver Simple PCP Saver, Silver, NS, INN, Circle, Dep29, Wellness Rewards | Silver | EPO | $1,043 | $7,300 | $10,100 | $22,613 | |
| Oscar Health | Silver Classic, Silver, ST, INN, Circle, Dep25, Wellness Rewards | Silver | EPO | $1,067 | $2,450 | $10,150 | $22,952 | |
| Oscar Health | Silver Classic, Silver, ST, INN, Circle, Dep29, Wellness Rewards | Silver | EPO | $1,073 | $2,450 | $10,150 | $23,025 | |
| Anthem Blue Cross Blue Shield (NY) | Anthem Gatekeeper X, Silver, ST, INN, Individual Network, Dep 25, Pediatric Dental | Silver | HMO | $1,087 | $2,450 | $10,150 | $23,199 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Gold, Gold, ST, INN, Fidelis Care HBX Network. Dep25, Free Telemedicine Program, Pediatric Dental | Gold | HMO | $1,107 | $775 | $10,150 | $23,438 | |
| UnitedHealthcare | UHC Compass HSA Bronze ST INN Pediatric Dental Dep 25 | Expanded Bronze | HMO | $1,116 | $5,500 | $8,050 | $21,448 | |
| Healthfirst PHSP | Healthfirst Gold Leaf, Gold, ST, INN, Dep25, Pediatric Dental, Fitness & Wellness Rewards | Gold | HMO | $1,121 | $775 | $10,150 | $23,607 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Gold Enhanced, Gold, NS, INN, Fidelis Care HBX Network, Dep25, Family Vision, Free Telemedicine Program, Family Dental | Gold | HMO | $1,132 | $775 | $10,150 | $23,732 | |
| Healthfirst PHSP | Healthfirst Gold Leaf, Gold, ST, INN, Dep29, Pediatric Dental, Fitness & Wellness Rewards | Gold | HMO | $1,133 | $775 | $10,150 | $23,741 | |
| Anthem Blue Cross Blue Shield (NY) | Anthem Gatekeeper X, Silver, ST, INN, Individual Network, Dep 29, Pediatric Dental | Silver | HMO | $1,133 | $2,450 | $10,150 | $23,749 | |
| UnitedHealthcare | UHC Compass Bronze ST INN Pediatric Dental Dep 25 | Expanded Bronze | HMO | $1,133 | $4,125 | $10,150 | $23,750 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Gold, Gold, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine Program, Pediatric Dental | Gold | HMO | $1,163 | $775 | $10,150 | $24,101 | |
| Healthfirst PHSP | Healthfirst Gold Leaf Premier Plus, NS, INN, Dep25, Family Dental, Family Vision, Free Telemedicine, Fitness & Wellness Rewards, PCP 1 | Gold | HMO | $1,169 | $950 | $6,600 | $20,632 | |
| Healthfirst PHSP | Healthfirst Gold Leaf Premier, Gold, NS, INN, Dep25, Family Dental, Family Vision, No Deductible PCP Visits, Free Telemedicine, Fitness & Wellness Rewards | Gold | HMO | $1,172 | $1,175 | $7,400 | $21,458 | |
| Healthfirst PHSP | Healthfirst Gold Leaf Premier Plus, NS, INN, Dep29, Family Dental, Family Vision, Free Telemedicine, Fitness & Wellness Rewards, PCP 1 | Gold | HMO | $1,181 | $950 | $6,600 | $20,773 | |
| Healthfirst PHSP | Healthfirst Gold Leaf Premier, Gold, NS, INN, Dep29, Family Dental, Family Vision, No Deductible PCP Visits, Free Telemedicine, Fitness & Wellness Rewards | Gold | HMO | $1,183 | $1,175 | $7,400 | $21,599 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Gold Enhanced, Gold, NS, INN, Fidelis Care HBX Network, Dep29, Family Vision, Free Telemedicine Program, Family Dental | Gold | HMO | $1,188 | $775 | $10,150 | $24,410 | |
| EmblemHealth | EmblemHealth Millennium, Bronze, ST, INN, Millennium Network, Dep25, Pediatric Dental | Expanded Bronze | HMO | $1,205 | $4,125 | $10,150 | $24,615 | |
| EmblemHealth | EmblemHealth Millennium, Bronze, ST, INN, Millennium Network, Dep29, Pediatric Dental | Expanded Bronze | HMO | $1,242 | $4,125 | $10,150 | $25,049 | |
| Oscar Health | Gold Simple, Gold, NS, INN, Circle, Dep25, Wellness Rewards | Gold | EPO | $1,260 | $1,500 | $7,200 | $22,318 | |
| Oscar Health | Gold Simple, Gold, NS, INN, Circle, Dep29, Wellness Rewards | Gold | EPO | $1,267 | $1,500 | $7,200 | $22,404 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Platinum, Platinum, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental | Platinum | HMO | $1,351 | — | $2,000 | $18,208 | |
| Anthem Blue Cross Blue Shield (NY) | Anthem Gatekeeper X, Gold, ST, INN, Individual Network, Dep 25, Pediatric Dental | Gold | HMO | $1,359 | $775 | $10,150 | $26,461 | |
| Oscar Health | Gold Classic, Gold, ST, INN, Circle, Dep25, Wellness Rewards | Gold | EPO | $1,369 | $775 | $10,150 | $26,583 | |
| Oscar Health | Gold Classic, Gold, ST, INN, Circle, Dep29, Wellness Rewards | Gold | EPO | $1,377 | $775 | $10,150 | $26,677 | |
| UnitedHealthcare | UHC Compass Bronze ST INN Pediatric Dental Dep 29 HSA | Expanded Bronze | HMO | $1,396 | $5,500 | $8,050 | $24,804 | |
| Healthfirst PHSP | Healthfirst Platinum Leaf, Platinum, ST, INN, Dep25, Pediatric Dental, Fitness & Wellness Rewards | Platinum | HMO | $1,412 | $0 | $2,000 | $18,939 | |
| Anthem Blue Cross Blue Shield (NY) | Anthem Gatekeeper X, Gold, ST, INN, Individual Network, Dep 29, Pediatric Dental | Gold | HMO | $1,416 | $775 | $10,150 | $27,145 | |
| UnitedHealthcare | UHC Compass Silver NS INN Pediatric Dental Dep 25 | Silver | HMO | $1,417 | $6,750 | $10,600 | $27,606 | |
| UnitedHealthcare | UHC Compass Bronze ST INN Pediatric Dental Dep 29 | Expanded Bronze | HMO | $1,417 | $4,125 | $10,150 | $27,157 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Platinum, Platinum, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine Program, Pediatric Dental | Platinum | HMO | $1,418 | — | $2,000 | $19,017 | |
| Healthfirst PHSP | Healthfirst Platinum Leaf, Platinum, ST, INN, Dep29, Pediatric Dental, Fitness & Wellness Rewards | Platinum | HMO | $1,426 | $0 | $2,000 | $19,108 | |
| Healthfirst PHSP | Healthfirst Platinum Leaf Premier, Platinum, NS, INN, Dep25, Family Dental, Family Vision, Free Telemedicine, Fitness & Wellness Rewards | Platinum | HMO | $1,461 | $0 | $2,000 | $19,528 | |
| UnitedHealthcare | UHC Compass Silver ST INN Pediatric Dental Dep 25 | Silver | HMO | $1,471 | $2,450 | $10,150 | $27,805 | |
| Healthfirst PHSP | Healthfirst Platinum Leaf Premier, Platinum, NS, INN, Dep29, Family Dental, Family Vision, Free Telemedicine, Fitness & Wellness Rewards | Platinum | HMO | $1,475 | $0 | $2,000 | $19,703 | |
| EmblemHealth | EmblemHealth Millennium, Silver, ST, INN, Millennium Network, Dep25, Pediatric Dental | Silver | HMO | $1,575 | $2,450 | $10,150 | $29,055 | |
| EmblemHealth | EmblemHealth Millennium, Silver, ST, INN, Millennium Network, Dep29, Pediatric Dental | Silver | HMO | $1,623 | $2,450 | $10,150 | $29,622 | |
| Oscar Health | Platinum Classic, Platinum, ST, INN, Circle, Dep25, Wellness Rewards | Platinum | EPO | $1,633 | $0 | $2,000 | $21,601 | |
| Oscar Health | Platinum Classic, Platinum, ST, INN, Circle, Dep29, Wellness Rewards | Platinum | EPO | $1,643 | $0 | $2,000 | $21,712 | |
| Anthem Blue Cross Blue Shield (NY) | Anthem Gatekeeper X, Platinum, ST, INN, Individual Network, Dep 25, Pediatric Dental | Platinum | HMO | $1,653 | $0 | $2,000 | $21,834 | |
| Anthem Blue Cross Blue Shield (NY) | Anthem Gatekeeper X, Platinum, ST, INN, Individual Network, Dep 29, Pediatric Dental | Platinum | HMO | $1,722 | $0 | $2,000 | $22,661 | |
| UnitedHealthcare | UHC Compass Silver NS INN Pediatric Dental Dep 29 | Silver | HMO | $1,772 | $6,750 | $10,600 | $31,868 | |
| UnitedHealthcare | UHC Compass Gold ST INN Pediatric Dental Dep 25 | Gold | HMO | $1,772 | $775 | $10,150 | $31,419 | |
| UnitedHealthcare | UHC Compass Silver ST INN Pediatric Dental Dep 29 | Silver | HMO | $1,840 | $2,450 | $10,150 | $32,230 | |
| EmblemHealth | EmblemHealth Millennium, Gold, ST, INN, Millennium Network, Dep25, Pediatric Dental | Gold | HMO | $1,906 | $775 | $10,150 | $33,019 | |
| EmblemHealth | EmblemHealth Millennium, Gold, ST, INN, Millennium Network, Dep29, Pediatric Dental | Gold | HMO | $1,963 | $775 | $10,150 | $33,705 | |
| UnitedHealthcare | UHC Compass Platinum ST INN Pediatric Dental Dep 25 | Platinum | HMO | $2,147 | $0 | $2,000 | $27,764 | |
| UnitedHealthcare | UHC Compass Gold ST INN Pediatric Dental Dep 29 | Gold | HMO | $2,217 | $775 | $10,150 | $36,750 | |
| EmblemHealth | EmblemHealth Millennium, Platinum, ST, INN, Millennium Network, Dep25, Pediatric Dental | Platinum | HMO | $2,306 | $0 | $2,000 | $29,673 | |
| EmblemHealth | EmblemHealth Millennium, Platinum, ST, INN, Millennium Network, Dep29, Pediatric Dental | Platinum | HMO | $2,375 | $0 | $2,000 | $30,503 | |
| UnitedHealthcare | UHC Compass Platinum ST INN Pediatric Dental Dep 29 | Platinum | HMO | $2,685 | $0 | $2,000 | $34,224 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $638 | $809 | $1,417 | 18 | $4,125 | $10,150 | $19,855 |
| Silver | $855 | $1,040 | $1,840 | 22 | $2,450 | $10,150 | $22,578 |
| Gold | $1,107 | $1,224 | $2,217 | 20 | $775 | $10,150 | $23,921 |
| Platinum | $1,351 | $1,638 | $2,685 | 14 | $0 | $2,000 | $21,657 |
| CatastrophicUnder 30 or hardship exemption only | $271 | $428 | $829 | 3 | $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.