Health insurance prices in Rensselaer County, NY (2026)
101 marketplace plans from 6 insurers. Cheapest plan $507/mo; typical Silver $1,101/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 1.
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 $507–$1,446 (typical $814) · Silver $681–$1,891 (typical $1,101) · Gold $881–$2,287 (typical $1,377) · Platinum $1,074–$2,767 (typical $1,694) · Catastrophic $216–$216 (typical $216)
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 | $507 | $529 | $706 | $912 | Ambetter from Fidelis Care Bronze HSA, Bronze, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental | |
| MVP Health Care | 22 | $693 | $713 | $924 | $1,109 | MVP Premier Plus Bronze 2, Expanded Bronze, NS, INN, NY Individual On Exchange HMO, Dep25, 3 PCP, Acupuncture, Preferred Facilities, Telemedicine, Wellness | |
| Anthem Blue Cross Blue Shield (NY)Elevance Health (Blue Cross Blue Shield company) | 8 | $783 | $800 | $1,080 | $1,350 | Anthem Gatekeeper X, Bronze, ST, INN, Individual Network, Dep 25, Pediatric Dental | |
| CDPHP | 24 | $808 | $820 | $1,102 | $1,380 | HDHMO HSA Qualified 40 Bronze, ST, INN, HMO Network, Dep25 | |
| Highmark Blue Cross Blue Shield (NY)Highmark Health (Blue Cross Blue Shield company) | 24 | $913 | $932 | $1,262 | $1,630 | my Blue Access EX Destination 65 Bronze, Bronze, NS, INN, Blue Marketplace, Dep25, Pediatric Dental | |
| EmblemHealth | 8 | $1,404 | $1,425 | $1,863 | $2,254 | EmblemHealth Select Care, Bronze, ST, INN, Select Care Network, Dep25, Pediatric Dental |
All 101 plans in Rensselaer 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 | $216 | $10,600 | $10,600 | $13,190 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Bronze HSA, Bronze, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental | Bronze | HMO | $507 | $5,500 | $8,050 | $14,139 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Bronze, Bronze, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental | Bronze | HMO | $524 | $4,125 | $10,150 | $16,442 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Bronze HSA, Bronze, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine Program, Pediatric Dental | Bronze | HMO | $533 | $5,500 | $8,050 | $14,443 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Bronze, Bronze, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine Program, Pediatric Dental | Bronze | HMO | $550 | $4,125 | $10,150 | $16,756 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Silver, Silver, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental | Silver | HMO | $681 | $2,450 | $10,150 | $18,316 | |
| 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 | $693 | $6,400 | $8,900 | $17,217 | |
| MVP Health Care | MVP Premier Bronze 1 HDHP, Expanded Bronze, ST, INN, NY Individual On Exchange HMO, Dep25, HSA, Telemedicine, Wellness | Expanded Bronze | HMO | $697 | $5,500 | $8,050 | $16,411 | |
| 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 | $698 | $2,450 | $10,150 | $18,524 | |
| 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 | $700 | $6,400 | $8,900 | $17,300 | |
| MVP Health Care | MVP Premier Bronze 1 HDHP, Expanded Bronze, ST, INN, NY Individual On Exchange HMO, Dep29, HSA, Telemedicine, Wellness | Expanded Bronze | HMO | $704 | $5,500 | $8,050 | $16,495 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Silver, Silver, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine Program, Pediatric Dental | Silver | HMO | $714 | $2,450 | $10,150 | $18,723 | |
| 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 | $722 | $6,000 | $7,500 | $16,163 | |
| MVP Health Care | MVP Premier Bronze 2, Expanded Bronze, ST, INN, NY Individual On Exchange HMO, Dep25, 3 PCP, Telemedicine, Wellness | Expanded Bronze | HMO | $729 | $4,125 | $10,150 | $18,894 | |
| 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 | $729 | $6,000 | $7,500 | $16,250 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Silver+, Silver, NS, INN, Fidelis Care HBX Network, Dep29, Family Vision, Free Telemedicine Program, Family Dental | Silver | HMO | $733 | $2,450 | $10,150 | $18,941 | |
| MVP Health Care | MVP Premier Bronze 2, Expanded Bronze, ST, INN, NY Individual On Exchange HMO, Dep29, 3 PCP, Telemedicine, Wellness | Expanded Bronze | HMO | $736 | $4,125 | $10,150 | $18,982 | |
| Anthem Blue Cross Blue Shield (NY) | Anthem Gatekeeper X, Bronze, ST, INN, Individual Network, Dep 25, Pediatric Dental | Expanded Bronze | HMO | $783 | $4,125 | $10,150 | $19,546 | |
| CDPHP | HDHMO HSA Qualified 40 Bronze, ST, INN, HMO Network, Dep25 | Bronze | HMO | $808 | $5,500 | $8,050 | $17,749 | |
| CDPHP | HDHMO HSA Qualified 40 Bronze, ST, INN, HMO Network, Dep29 | Bronze | HMO | $811 | $5,500 | $8,050 | $17,781 | |
| Anthem Blue Cross Blue Shield (NY) | Anthem Gatekeeper X, Bronze, ST, INN, Individual Network, Dep 29, Pediatric Dental | Expanded Bronze | HMO | $816 | $4,125 | $10,150 | $19,946 | |
| CDPHP | HDHMO HSA Qualified 44, Bronze, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | Bronze | HMO | $819 | $6,250 | $7,300 | $17,128 | |
| CDPHP | HDHMO HSA Qualified 60, Bronze, ST, INN, HMO Network, Dep25 | Bronze | HMO | $820 | $4,125 | $10,150 | $19,987 | |
| CDPHP | HDHMO HSA Qualified 45, Bronze, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | Bronze | HMO | $820 | $7,100 | $7,100 | $16,942 | |
| CDPHP | HDHMO HSA Qualified 44, Bronze, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | Bronze | HMO | $822 | $6,250 | $7,300 | $17,160 | |
| CDPHP | HDHMO HSA Qualified 60, Bronze, ST, INN, HMO Network, Dep29 | Bronze | HMO | $822 | $4,125 | $10,150 | $20,020 | |
| CDPHP | HDHMO HSA Qualified 45, Bronze, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | Bronze | HMO | $823 | $7,100 | $7,100 | $16,974 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Gold, Gold, ST, INN, Fidelis Care HBX Network. Dep25, Free Telemedicine Program, Pediatric Dental | Gold | HMO | $881 | $775 | $10,150 | $20,719 | |
| 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 | $900 | $775 | $10,150 | $20,953 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Bronze, Bronze, NS, INN, Blue Marketplace, Dep25, Pediatric Dental | Expanded Bronze | EPO | $913 | $3,800 | $10,100 | $21,060 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Bronze, Bronze, NS, INN, Blue Marketplace, Dep29, Pediatric Dental | Expanded Bronze | EPO | $915 | $3,800 | $10,100 | $21,083 | |
| MVP Health Care | MVP Premier Plus Silver 13, Silver, NS, INN, NY Individual On Exchange HMO, Dep25, Acupuncture, Preferred Facilities, Telemedicine, Wellness | Silver | HMO | $915 | $2,900 | $9,400 | $20,385 | |
| 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 | $919 | $2,650 | $6,900 | $17,925 | |
| MVP Health Care | MVP Premier Silver 1, Silver, ST, INN, NY Individual On Exchange HMO, Dep25, Telemedicine, Wellness | Silver | HMO | $924 | $2,450 | $10,150 | $21,239 | |
| MVP Health Care | MVP Premier Plus Silver 13, Silver, NS, INN, NY Individual On Exchange HMO, Dep29, Acupuncture, Preferred Facilities, Telemedicine, Wellness | Silver | HMO | $925 | $2,900 | $9,400 | $20,495 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Gold, Gold, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine Program, Pediatric Dental | Gold | HMO | $925 | $775 | $10,150 | $21,247 | |
| 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 | $928 | $2,650 | $6,900 | $18,035 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Standard Bronze, Bronze, ST, INN, Blue Marketplace, Dep25, Pediatric Dental | Expanded Bronze | EPO | $931 | $4,125 | $10,150 | $21,325 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Standard Bronze, Bronze, ST, INN, Blue Marketplace, Dep29, Pediatric Dental | Expanded Bronze | EPO | $933 | $4,125 | $10,150 | $21,348 | |
| MVP Health Care | MVP Premier Silver 1, Silver, ST, INN, NY Individual On Exchange HMO, Dep29, Telemedicine, Wellness | Silver | HMO | $933 | $2,450 | $10,150 | $21,350 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Bronze + Adult Dental and Vision, Bronze, NS, INN, Blue Marketplace, Dep25, Family Dental, Family Vision, WP | Expanded Bronze | EPO | $941 | $3,800 | $10,100 | $21,392 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Bronze + Adult Dental and Vision, Bronze, NS, INN, Blue Marketplace, Dep29, Family Dental, Family Vision, WP | Expanded Bronze | EPO | $943 | $3,800 | $10,100 | $21,416 | |
| 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 | $945 | $775 | $10,150 | $21,492 | |
| Anthem Blue Cross Blue Shield (NY) | Anthem Gatekeeper X, Silver, ST, INN, Individual Network, Dep 25, Pediatric Dental | Silver | HMO | $1,058 | $2,450 | $10,150 | $22,845 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Platinum, Platinum, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental | Platinum | HMO | $1,074 | — | $2,000 | $14,891 | |
| 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 | $1,081 | $1,750 | $6,900 | $19,877 | |
| 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 | $1,092 | $1,750 | $6,900 | $20,007 | |
| CDPHP | HDHMO HSA Qualified 33, Silver, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | Silver | HMO | $1,097 | $3,500 | $7,000 | $20,164 | |
| CDPHP | HDHMO HSA Qualified 33, Silver, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | Silver | HMO | $1,101 | $3,500 | $7,000 | $20,209 | |
| CDPHP | HMO Copayment 30, Silver, ST, INN, HMO Network, Dep25 | Silver | HMO | $1,102 | $2,450 | $10,150 | $23,375 | |
| Anthem Blue Cross Blue Shield (NY) | Anthem Gatekeeper X, Silver, ST, INN, Individual Network, Dep 29, Pediatric Dental | Silver | HMO | $1,103 | $2,450 | $10,150 | $23,380 | |
| CDPHP | HDHMO HSA Qualified 35 Silver, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | Silver | HMO | $1,103 | $2,850 | $7,050 | $20,285 | |
| 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 | $1,104 | $1,200 | $5,900 | $19,147 | |
| CDPHP | HMO Copayment 30, Silver, ST, INN, HMO Network, Dep29 | Silver | HMO | $1,106 | $2,450 | $10,150 | $23,420 | |
| CDPHP | HDHMO HSA Qualified 35 Silver, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | Silver | HMO | $1,107 | $2,850 | $7,050 | $20,330 | |
| 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 | $1,115 | $1,200 | $5,900 | $19,279 | |
| MVP Health Care | MVP Premier Gold 1, Gold, ST, INN, NY Individual On Exchange HMO, Dep25, Telemedicine, Wellness | Gold | HMO | $1,127 | $775 | $10,150 | $23,677 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Platinum, Platinum, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine Program, Pediatric Dental | Platinum | HMO | $1,128 | — | $2,000 | $15,535 | |
| MVP Health Care | MVP Premier Gold 1, Gold, ST, INN, NY Individual On Exchange HMO, Dep29, Telemedicine, Wellness | Gold | HMO | $1,139 | $775 | $10,150 | $23,812 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Silver, Silver, NS, INN, Blue Marketplace, Dep25, Pediatric Dental | Silver | EPO | $1,237 | $0 | $9,700 | $24,539 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Silver, Silver, NS, INN, Blue Marketplace, Dep29, Pediatric Dental | Silver | EPO | $1,239 | $0 | $9,700 | $24,570 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Standard Silver, Silver, ST, INN, Blue Marketplace, Dep25, Pediatric Dental | Silver | EPO | $1,261 | $2,450 | $10,150 | $25,280 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Standard Silver, Silver, ST, INN, Blue Marketplace, Dep29, Pediatric Dental | Silver | EPO | $1,263 | $2,450 | $10,150 | $25,312 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Silver + Adult Dental and Vision, Silver, NS, INN, Blue Marketplace, Dep25, Family Dental, Family Vision, WP | Silver | EPO | $1,272 | $0 | $9,700 | $24,962 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Silver + Adult Dental and Vision, Silver, NS, INN, Blue Marketplace, Dep29, Family Dental, Family Vision, WP | Silver | EPO | $1,274 | $0 | $9,700 | $24,994 | |
| Anthem Blue Cross Blue Shield (NY) | Anthem Gatekeeper X, Gold, ST, INN, Individual Network, Dep 25, Pediatric Dental | Gold | HMO | $1,322 | $775 | $10,150 | $26,018 | |
| CDPHP | HMO Triple Zero Copayment 24, Gold, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | Gold | HMO | $1,376 | $0 | $8,700 | $25,217 | |
| Anthem Blue Cross Blue Shield (NY) | Anthem Gatekeeper X, Gold, ST, INN, Individual Network, Dep 29, Pediatric Dental | Gold | HMO | $1,378 | $775 | $10,150 | $26,683 | |
| CDPHP | HMO Copayment 20, Gold, ST, INN, HMO Network, Dep25 | Gold | HMO | $1,379 | $775 | $10,150 | $26,694 | |
| CDPHP | HMO Triple Zero Copayment 24, Gold, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | Gold | HMO | $1,381 | $0 | $8,700 | $25,274 | |
| MVP Health Care | MVP Premier Platinum 1, Platinum, ST, INN, NY Individual On Exchange HMO, Dep25, Telemedicine, Wellness | Platinum | HMO | $1,381 | $0 | $2,000 | $18,578 | |
| CDPHP | HMO Copayment 20, Gold, ST, INN, HMO Network, Dep29 | Gold | HMO | $1,383 | $775 | $10,150 | $26,751 | |
| MVP Health Care | MVP Premier Platinum 1, Platinum, ST, INN, NY Individual On Exchange HMO, Dep29, Telemedicine, Wellness | Platinum | HMO | $1,395 | $0 | $2,000 | $18,743 | |
| 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 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Gold, Gold, NS, INN, Blue Marketplace, Dep25, Pediatric Dental | Gold | EPO | $1,597 | $0 | $7,900 | $27,066 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Gold, Gold, NS, INN, Blue Marketplace, Dep29, Pediatric Dental | Gold | EPO | $1,601 | $0 | $7,900 | $27,106 | |
| Anthem Blue Cross Blue Shield (NY) | Anthem Gatekeeper X, Platinum, ST, INN, Individual Network, Dep 25, Pediatric Dental | Platinum | HMO | $1,608 | $0 | $2,000 | $21,295 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Standard Gold, Gold, ST, INN, Blue Marketplace, Dep25, Pediatric Dental | Gold | EPO | $1,629 | $775 | $10,150 | $29,692 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Standard Gold, Gold, ST, INN, Blue Marketplace, Dep29, Pediatric Dental | Gold | EPO | $1,632 | $775 | $10,150 | $29,733 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Gold + Adult Dental and Vision, Gold, NS, INN, Blue Marketplace, Dep25, Family Dental, Family Vision, WP | Gold | EPO | $1,638 | $0 | $7,900 | $27,559 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Gold + Adult Dental and Vision, Gold, NS, INN, Blue Marketplace, Dep29, Family Dental, Family Vision, WP | Gold | EPO | $1,642 | $0 | $7,900 | $27,600 | |
| Anthem Blue Cross Blue Shield (NY) | Anthem Gatekeeper X, Platinum, ST, INN, Individual Network, Dep 29, Pediatric Dental | Platinum | HMO | $1,675 | $0 | $2,000 | $22,100 | |
| CDPHP | HMO Copayment 10, Platinum, ST, INN, HMO Network, Dep25 | Platinum | HMO | $1,681 | $0 | $2,000 | $22,168 | |
| CDPHP | HMO Copayment 14, Platinum, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | Platinum | HMO | $1,682 | $0 | $3,000 | $23,182 | |
| CDPHP | HMO Copayment 10, Platinum, ST, INN, HMO Network, Dep29 | Platinum | HMO | $1,686 | $0 | $2,000 | $22,238 | |
| CDPHP | HMO Copayment 14, Platinum, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | Platinum | HMO | $1,688 | $0 | $3,000 | $23,252 | |
| CDPHP | HMO Hybrid 13, Platinum, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness | Platinum | HMO | $1,700 | $200 | $6,000 | $26,400 | |
| CDPHP | HMO Hybrid 13, Platinum, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness | Platinum | HMO | $1,706 | $200 | $6,000 | $26,471 | |
| EmblemHealth | EmblemHealth Select Care, Silver, ST, INN, Select Care Network, Dep25, Pediatric Dental | Silver | HMO | $1,835 | $2,450 | $10,150 | $32,175 | |
| EmblemHealth | EmblemHealth Select Care, Silver, ST, INN, Select Care Network, Dep29, Pediatric Dental | Silver | HMO | $1,891 | $2,450 | $10,150 | $32,836 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Platinum, Platinum, NS, INN, Blue Marketplace, Dep25, Pediatric Dental | Platinum | EPO | $1,948 | $0 | $5,000 | $28,380 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Platinum, Platinum, NS, INN, Blue Marketplace, Dep29, Pediatric Dental | Platinum | EPO | $1,952 | $0 | $5,000 | $28,429 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Standard Platinum, Platinum, ST, INN, Blue Marketplace, Dep25, Pediatric Dental | Platinum | EPO | $1,987 | $0 | $2,000 | $25,839 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Standard Platinum, Platinum, ST, INN, Blue Marketplace, Dep29, Pediatric Dental | Platinum | EPO | $1,991 | $0 | $2,000 | $25,889 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Platinum + Adult Dental and Vision, Platinum, NS, INN, Blue Marketplace, Dep25, Family Dental, Family Vision, WP | Platinum | EPO | $1,993 | $0 | $5,000 | $28,915 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Platinum + Adult Dental and Vision, Platinum, NS, INN, Blue Marketplace, Dep29, Family Dental, Family Vision, WP | Platinum | EPO | $1,997 | $0 | $5,000 | $28,966 | |
| 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 | $507 | $814 | $1,446 | 30 | $4,125 | $10,100 | $17,765 |
| Silver | $681 | $1,101 | $1,891 | 26 | $2,450 | $10,150 | $21,295 |
| Gold | $881 | $1,377 | $2,287 | 24 | $775 | $10,150 | $25,646 |
| Platinum | $1,074 | $1,694 | $2,767 | 20 | $0 | $2,000 | $24,545 |
| CatastrophicUnder 30 or hardship exemption only | $216 | $216 | $216 | 1 | $10,600 | $10,600 | $13,190 |
* 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.