Health insurance prices in Otsego County, NY (2026)
82 marketplace plans from 4 insurers. Cheapest plan $754/mo; typical Silver $1,207/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 7.
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 $754–$1,446 (typical $929) · Silver $978–$1,891 (typical $1,207) · Gold $1,176–$2,287 (typical $1,490) · Platinum $1,503–$2,767 (typical $1,940) · Catastrophic $414–$857 (typical $456)
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 |
|---|---|---|---|---|---|---|---|
| MVP Health Care | 23 | $754 | $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 | |
| Excellus BlueCross BlueShield (NY)Lifetime Healthcare (Blue Cross Blue Shield company) | 25 | $840 | $930 | $1,194 | $1,490 | Bronze Secure Plus 3, Expanded Bronze, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Acupuncture | |
| CDPHP | 25 | $927 | $940 | $1,268 | $1,590 | HDHMO HSA Qualified 40 Bronze, ST, INN, HMO Network, Dep25 | |
| EmblemHealth | 9 | $1,404 | $1,425 | $1,863 | $2,254 | EmblemHealth Select Care, Bronze, ST, INN, Select Care Network, Dep25, Pediatric Dental |
All 82 plans in Otsego County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| CDPHP | HDHMO HSA Qualified 50, Catastrophic, ST, INN, HMO Network, Dep25 | Catastrophic | HMO | $414 | $10,600 | $10,600 | $15,572 | |
| MVP Health Care | MVP Secure, Catastrophic, ST, INN, NY Individual On Exchange HMO, Dep25, Telemedicine, Wellness | Catastrophic | HMO | $437 | $10,600 | $10,600 | $15,840 | |
| Excellus BlueCross BlueShield (NY) | Base Catastrophic, ST, INN, Excellus BCBS EPO, Dep25, Pediatric Dental | Catastrophic | EPO | $475 | $10,600 | $10,600 | $16,299 | |
| MVP Health Care | MVP Premier Plus Bronze 2, Expanded Bronze, NS, INN, NY Individual On Exchange HMO, Dep25, 3 PCP, Acupuncture, Preferred Facilities, Telemedicine, Wellness | Expanded Bronze | HMO | $754 | $6,400 | $8,900 | $17,948 | |
| MVP Health Care | MVP Premier Bronze 1 HDHP, Expanded Bronze, ST, INN, NY Individual On Exchange HMO, Dep25, HSA, Telemedicine, Wellness | Expanded Bronze | HMO | $758 | $5,500 | $8,050 | $17,146 | |
| MVP Health Care | MVP Premier Plus Bronze 2, Expanded Bronze, NS, INN, NY Individual On Exchange HMO, Dep29, 3 PCP, Acupuncture, Preferred Facilities, Telemedicine, Wellness | Expanded Bronze | HMO | $762 | $6,400 | $8,900 | $18,038 | |
| MVP Health Care | MVP Premier Bronze 1 HDHP, Expanded Bronze, ST, INN, NY Individual On Exchange HMO, Dep29, HSA, Telemedicine, Wellness | Expanded Bronze | HMO | $766 | $5,500 | $8,050 | $17,237 | |
| MVP Health Care | MVP Premier Plus Bronze 3 HDHP, Expanded Bronze, NS, INN, NY Individual On Exchange HMO, Dep25, Acupuncture, HSA, Preferred Facilities, Preventive Rx, Telemedicine, Wellness | Expanded Bronze | HMO | $785 | $6,000 | $7,500 | $16,924 | |
| MVP Health Care | MVP Premier Bronze 2, Expanded Bronze, ST, INN, NY Individual On Exchange HMO, Dep25, 3 PCP, Telemedicine, Wellness | Expanded Bronze | HMO | $793 | $4,125 | $10,150 | $19,663 | |
| MVP Health Care | MVP Premier Plus Bronze 3 HDHP, Expanded Bronze, NS, INN, NY Individual On Exchange HMO, Dep29, Acupuncture, HSA, Preferred Facilities, Preventive Rx, Telemedicine, Wellness | Expanded Bronze | HMO | $793 | $6,000 | $7,500 | $17,019 | |
| MVP Health Care | MVP Premier Bronze 2, Expanded Bronze, ST, INN, NY Individual On Exchange HMO, Dep29, 3 PCP, Telemedicine, Wellness | Expanded Bronze | HMO | $801 | $4,125 | $10,150 | $19,758 | |
| Excellus BlueCross BlueShield (NY) | Bronze Secure Plus 3, Expanded Bronze, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Acupuncture | Expanded Bronze | EPO | $840 | $10,600 | $10,600 | $20,677 | |
| Excellus BlueCross BlueShield (NY) | Bronze Secure Plus 3, Expanded Bronze, NS, INN, Excellus BCBS EPO, Dep29, Adult/Family Dental, Adult Vision, Acupuncture | Expanded Bronze | EPO | $856 | $10,600 | $10,600 | $20,868 | |
| EmblemHealth | EmblemHealth Select Care, Catastrophic, ST, INN, Select Care Network, Pediatric Dental | Catastrophic | HMO | $857 | $10,600 | $10,600 | $20,885 | |
| Excellus BlueCross BlueShield (NY) | Bronze Select, Expanded Bronze, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture | Expanded Bronze | EPO | $911 | $5,500 | $7,500 | $18,431 | |
| CDPHP | HDHMO HSA Qualified 40 Bronze, ST, INN, HMO Network, Dep25 | Bronze | HMO | $927 | $5,500 | $8,050 | $19,170 | |
| Excellus BlueCross BlueShield (NY) | Bronze Select, Expanded Bronze, NS, INN, Excellus BCBS EPO, Dep29, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture | Expanded Bronze | EPO | $928 | $5,500 | $7,500 | $18,639 | |
| CDPHP | HDHMO HSA Qualified 40 Bronze, ST, INN, HMO Network, Dep29 | Bronze | HMO | $930 | $5,500 | $8,050 | $19,207 | |
| Excellus BlueCross BlueShield (NY) | Bronze Standard HSA, Expanded Bronze, ST, INN, Excellus BCBS EPO, Dep25, Pediatric Dental | Expanded Bronze | EPO | $931 | $5,500 | $8,050 | $19,223 | |
| Excellus BlueCross BlueShield (NY) | Bronze Standard, Expanded Bronze, ST, INN, Excellus BCBS EPO, Dep25, Pediatric Dental | Expanded Bronze | EPO | $931 | $4,125 | $10,150 | $21,324 | |
| CDPHP | HDHMO HSA Qualified 44, Bronze, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | Bronze | HMO | $939 | $6,250 | $7,300 | $18,569 | |
| CDPHP | HDHMO HSA Qualified 60, Bronze, ST, INN, HMO Network, Dep25 | Bronze | HMO | $940 | $4,125 | $10,150 | $21,430 | |
| CDPHP | HDHMO HSA Qualified 45, Bronze, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | Bronze | HMO | $940 | $7,100 | $7,100 | $18,385 | |
| CDPHP | HDHMO HSA Qualified 44, Bronze, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | Bronze | HMO | $942 | $6,250 | $7,300 | $18,607 | |
| CDPHP | HDHMO HSA Qualified 60, Bronze, ST, INN, HMO Network, Dep29 | Bronze | HMO | $943 | $4,125 | $10,150 | $21,468 | |
| CDPHP | HDHMO HSA Qualified 45, Bronze, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | Bronze | HMO | $944 | $7,100 | $7,100 | $18,423 | |
| Excellus BlueCross BlueShield (NY) | Bronze Standard HSA, Expanded Bronze, ST, INN, Excellus BCBS EPO, Dep29, Pediatric Dental | Expanded Bronze | EPO | $949 | $5,500 | $8,050 | $19,435 | |
| Excellus BlueCross BlueShield (NY) | Bronze Standard, Expanded Bronze, ST, INN, Excellus BCBS EPO, Dep29, Pediatric Dental | Expanded Bronze | EPO | $949 | $4,125 | $10,150 | $21,536 | |
| Excellus BlueCross BlueShield (NY) | Bassett Preferred Silver, NS, INN, Dep25, Adult/Family Dental, Adult Vision, Tiered Network, Acupuncture | Silver | EPO | $978 | $3,000 | $9,500 | $21,236 | |
| MVP Health Care | MVP Premier Plus Silver 13, Silver, NS, INN, NY Individual On Exchange HMO, Dep25, Acupuncture, Preferred Facilities, Telemedicine, Wellness | Silver | HMO | $996 | $2,900 | $9,400 | $21,351 | |
| Excellus BlueCross BlueShield (NY) | Bassett Preferred Silver, NS, INN, Dep29, Adult/Family Dental, Adult Vision, Tiered Network, Acupuncture | Silver | EPO | $997 | $3,000 | $9,500 | $21,459 | |
| MVP Health Care | MVP Premier Plus Silver 3 HDHP, Silver, NS, INN, NY Individual On Exchange HMO, Dep25, Acupuncture, HSA, Preferred Facilities, Preventive Rx, Telemedicine, Wellness | Silver | HMO | $999 | $2,650 | $6,900 | $18,893 | |
| MVP Health Care | MVP Premier Silver 1, Silver, ST, INN, NY Individual On Exchange HMO, Dep25, Telemedicine, Wellness | Silver | HMO | $1,005 | $2,450 | $10,150 | $22,214 | |
| MVP Health Care | MVP Premier Plus Silver 13, Silver, NS, INN, NY Individual On Exchange HMO, Dep29, Acupuncture, Preferred Facilities, Telemedicine, Wellness | Silver | HMO | $1,006 | $2,900 | $9,400 | $21,470 | |
| MVP Health Care | MVP Premier Plus Silver 3 HDHP, Silver, NS, INN, NY Individual On Exchange HMO, Dep29, Acupuncture, HSA, Preferred Facilities, Preventive Rx, Telemedicine, Wellness | Silver | HMO | $1,009 | $2,650 | $6,900 | $19,013 | |
| MVP Health Care | MVP Premier Silver 1, Silver, ST, INN, NY Individual On Exchange HMO, Dep29, Telemedicine, Wellness | Silver | HMO | $1,015 | $2,450 | $10,150 | $22,334 | |
| MVP Health Care | MVP Premier Plus Gold 2 HDHP, Gold, NS, INN, NY Individual On Exchange HMO, Dep25, Acupuncture, HSA, Preferred Facilities, Preventive Rx, Telemedicine, Wellness | Gold | HMO | $1,176 | $1,750 | $6,900 | $21,017 | |
| Excellus BlueCross BlueShield (NY) | Silver Select, Silver, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture | Silver | EPO | $1,183 | $3,200 | $8,200 | $22,394 | |
| MVP Health Care | MVP Premier Plus Gold 2 HDHP, Gold, NS, INN, NY Individual On Exchange HMO, Dep29, Acupuncture, HSA, Preferred Facilities, Preventive Rx, Telemedicine, Wellness | Gold | HMO | $1,188 | $1,750 | $6,900 | $21,159 | |
| MVP Health Care | MVP Premier Plus Gold 1, Gold, NS, INN, NY Individual On Exchange HMO, Dep25, 3 PCP, Acupuncture, Preferred Facilities, Telemedicine, Wellness | Gold | HMO | $1,201 | $1,200 | $5,900 | $20,311 | |
| Excellus BlueCross BlueShield (NY) | Silver Select, Silver, NS, INN, Excellus BCBS EPO, Dep29, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture | Silver | EPO | $1,205 | $3,200 | $8,200 | $22,663 | |
| Excellus BlueCross BlueShield (NY) | Bassett Preferred Gold, NS, INN, Dep25, Adult/Family Dental, Adult Vision, Tiered Network, Acupuncture | Gold | EPO | $1,206 | $1,000 | $9,000 | $23,478 | |
| Excellus BlueCross BlueShield (NY) | Silver Standard, Silver, ST, INN, Excellus BCBS EPO, Dep25, Pediatric Dental | Silver | EPO | $1,209 | $2,450 | $10,150 | $24,658 | |
| MVP Health Care | MVP Premier Plus Gold 1, Gold, NS, INN, NY Individual On Exchange HMO, Dep29, 3 PCP, Acupuncture, Preferred Facilities, Telemedicine, Wellness | Gold | HMO | $1,213 | $1,200 | $5,900 | $20,455 | |
| MVP Health Care | MVP Premier Gold 1, Gold, ST, INN, NY Individual On Exchange HMO, Dep25, Telemedicine, Wellness | Gold | HMO | $1,226 | $775 | $10,150 | $24,866 | |
| Excellus BlueCross BlueShield (NY) | Bassett Preferred Gold, NS, INN, Dep29, Adult/Family Dental, Adult Vision, Tiered Network, Acupuncture | Gold | EPO | $1,229 | $1,000 | $9,000 | $23,752 | |
| Excellus BlueCross BlueShield (NY) | Silver Standard, Silver, ST, INN, Excellus BCBS EPO, Dep29, Pediatric Dental | Silver | EPO | $1,232 | $2,450 | $10,150 | $24,933 | |
| MVP Health Care | MVP Premier Gold 1, Gold, ST, INN, NY Individual On Exchange HMO, Dep29, Telemedicine, Wellness | Gold | HMO | $1,239 | $775 | $10,150 | $25,013 | |
| CDPHP | HDHMO HSA Qualified 33, Silver, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | Silver | HMO | $1,262 | $3,500 | $7,000 | $22,141 | |
| CDPHP | HDHMO HSA Qualified 33, Silver, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | Silver | HMO | $1,266 | $3,500 | $7,000 | $22,193 | |
| CDPHP | HMO Copayment 30, Silver, ST, INN, HMO Network, Dep25 | Silver | HMO | $1,268 | $2,450 | $10,150 | $25,361 | |
| CDPHP | HDHMO HSA Qualified 35 Silver, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | Silver | HMO | $1,269 | $2,850 | $7,050 | $22,273 | |
| CDPHP | HMO Copayment 30, Silver, ST, INN, HMO Network, Dep29 | Silver | HMO | $1,272 | $2,450 | $10,150 | $25,413 | |
| CDPHP | HDHMO HSA Qualified 35 Silver, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | Silver | HMO | $1,273 | $2,850 | $7,050 | $22,325 | |
| EmblemHealth | EmblemHealth Select Care, Bronze, ST, INN, Select Care Network, Dep25, Pediatric Dental | Expanded Bronze | HMO | $1,404 | $4,125 | $10,150 | $27,002 | |
| EmblemHealth | EmblemHealth Select Care, Bronze, ST, INN, Select Care Network, Dep29, Pediatric Dental | Expanded Bronze | HMO | $1,446 | $4,125 | $10,150 | $27,508 | |
| Excellus BlueCross BlueShield (NY) | Gold Select, Gold, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Acupuncture | Gold | EPO | $1,476 | $1,350 | $9,000 | $26,718 | |
| MVP Health Care | MVP Premier Platinum 1, Platinum, ST, INN, NY Individual On Exchange HMO, Dep25, Telemedicine, Wellness | Platinum | HMO | $1,503 | $0 | $2,000 | $20,034 | |
| Excellus BlueCross BlueShield (NY) | Gold Select, Gold, NS, INN, Excellus BCBS EPO, Dep29, Adult/Family Dental, Adult Vision, Acupuncture | Gold | EPO | $1,504 | $1,350 | $9,000 | $27,054 | |
| MVP Health Care | MVP Premier Platinum 1, Platinum, ST, INN, NY Individual On Exchange HMO, Dep29, Telemedicine, Wellness | Platinum | HMO | $1,518 | $0 | $2,000 | $20,215 | |
| Excellus BlueCross BlueShield (NY) | Gold Standard, Gold, ST, INN, Excellus BCBS EPO, Dep25, Pediatric Dental | Gold | EPO | $1,541 | $775 | $10,150 | $28,646 | |
| Excellus BlueCross BlueShield (NY) | Gold Standard, Gold, ST, INN, Excellus BCBS EPO, Dep29, Pediatric Dental | Gold | EPO | $1,571 | $775 | $10,150 | $28,997 | |
| CDPHP | HMO Triple Zero Copayment 24, Gold, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | Gold | HMO | $1,586 | $0 | $8,700 | $27,731 | |
| CDPHP | HMO Copayment 20, Gold, ST, INN, HMO Network, Dep25 | Gold | HMO | $1,589 | $775 | $10,150 | $29,213 | |
| CDPHP | HMO Triple Zero Copayment 24, Gold, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | Gold | HMO | $1,591 | $0 | $8,700 | $27,797 | |
| CDPHP | HMO Copayment 20, Gold, ST, INN, HMO Network, Dep29 | Gold | HMO | $1,594 | $775 | $10,150 | $29,279 | |
| Excellus BlueCross BlueShield (NY) | Platinum Select, Platinum, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Acupuncture | Platinum | EPO | $1,810 | — | $6,350 | $28,069 | |
| Excellus BlueCross BlueShield (NY) | Platinum Standard, Platinum, ST, INN, Excellus BCBS EPO, Dep25, Pediatric Dental | Platinum | EPO | $1,826 | — | $2,000 | $23,913 | |
| EmblemHealth | EmblemHealth Select Care, Silver, ST, INN, Select Care Network, Dep25, Pediatric Dental | Silver | HMO | $1,835 | $2,450 | $10,150 | $32,175 | |
| Excellus BlueCross BlueShield (NY) | Platinum Select, Platinum, NS, INN, Excellus BCBS EPO, Dep29, Adult/Family Dental, Adult Vision, Acupuncture | Platinum | EPO | $1,844 | — | $6,350 | $28,481 | |
| Excellus BlueCross BlueShield (NY) | Platinum Standard, Platinum, ST, INN, Excellus BCBS EPO, Dep29, Pediatric Dental | Platinum | EPO | $1,861 | — | $2,000 | $24,329 | |
| EmblemHealth | EmblemHealth Select Care, Silver, ST, INN, Select Care Network, Dep29, Pediatric Dental | Silver | HMO | $1,891 | $2,450 | $10,150 | $32,836 | |
| CDPHP | HMO Copayment 10, Platinum, ST, INN, HMO Network, Dep25 | Platinum | HMO | $1,939 | $0 | $2,000 | $25,267 | |
| CDPHP | HMO Copayment 14, Platinum, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | Platinum | HMO | $1,940 | $0 | $3,000 | $26,283 | |
| CDPHP | HMO Copayment 10, Platinum, ST, INN, HMO Network, Dep29 | Platinum | HMO | $1,946 | $0 | $2,000 | $25,349 | |
| CDPHP | HMO Copayment 14, Platinum, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | Platinum | HMO | $1,947 | $0 | $3,000 | $26,365 | |
| CDPHP | HMO Hybrid 13, Platinum, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | Platinum | HMO | $1,961 | $200 | $6,000 | $29,536 | |
| CDPHP | HMO Hybrid 13, Platinum, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | Platinum | HMO | $1,968 | $200 | $6,000 | $29,619 | |
| EmblemHealth | EmblemHealth Select Care, Gold, ST, INN, Select Care Network, Dep25, Pediatric Dental | Gold | HMO | $2,220 | $775 | $10,150 | $36,795 | |
| EmblemHealth | EmblemHealth Select Care, Gold, ST, INN, Select Care Network, Dep29, Pediatric Dental | Gold | HMO | $2,287 | $775 | $10,150 | $37,594 | |
| EmblemHealth | EmblemHealth Select Care, Platinum, ST, INN, Select Care Network, Dep25, Pediatric Dental | Platinum | HMO | $2,687 | $0 | $2,000 | $34,242 | |
| EmblemHealth | EmblemHealth Select Care, Platinum, ST, INN, Select Care Network, Dep29, Pediatric Dental | Platinum | HMO | $2,767 | $0 | $2,000 | $35,209 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $754 | $929 | $1,446 | 26 | $5,500 | $8,050 | $19,188 |
| Silver | $978 | $1,207 | $1,891 | 20 | $2,750 | $9,450 | $22,299 |
| Gold | $1,176 | $1,490 | $2,287 | 18 | $775 | $9,000 | $26,886 |
| Platinum | $1,503 | $1,940 | $2,767 | 14 | $0 | $2,000 | $26,324 |
| CatastrophicUnder 30 or hardship exemption only | $414 | $456 | $857 | 4 | $10,600 | $10,600 | $16,070 |
* 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.