New York Health Insurance Shop Now and Save
Shop New York health insurance plans and see if you qualify for a free to low-cost plan. No personal information is required to run a quote.
What to Know When Shopping for a New York Health InsurancePlan
New York state happens to be very unique when it comes to purchasing health insurance, in that both your cost and health insurance options available are based on the following:
- Age
- Income
- Employment
- Health Circumstances – In certain cases regarding state government insurance programs (listed below)
Health Insurance Programs in New York
Use the chart below to determine what plan you may qualify for and then follow the link to review the plan information
Type of Coverage Age Based Financial Based Work Based
Individual with or without Subsidy 
Catastrophic Health Insurance
Essential Plan Health Insurance
Association Health Plans
Small and Large Business Health Insurance
COBRA
Child Health Plus
Medicare
Medicare Advantage
New York Health Insurance Options
Individual New York Health Insurance
Individual New York health insurance plans are not group health insurance and are for those:
- People between the ages of 19 and 64 or
- Dependents between the ages of 0 to 26
- Those who don’t have a private health insurance plan at their work,
- OR, those who don’t qualify for their health insurance plan at work because they are part-time or recently hired and haven’t completed the waiting period
- For those aged 26 who are not considered dependents
- OR are dependents age 26 or under, of a person who doesn’t qualify for their health insurance plan at work because they are part-time or recently hired and haven’t completed the waiting period
BE ADVISED that if you purchase a plan from the New York State exchange and the plan is canceled mid-year, you cannot go back onto a plan until the next Open Enrollment or unless you have a qualifying event. However, you may be able to join an Association and get an Off-Exchange plan, which usually has a larger network of providers.
Do I need an individual New York health insurance plan?
As a NY resident, if you are not offered health insurance by your employer as part of an employee benefits program, you may need to buy individual and family plans New York health insurance privately. This means that, without employers covering part of the premiums, you will need to pay the full cost of monthly premiums yourself (however you may qualify for a subsidy or free health insurance coverage based on income).
Additionally, other reasons to purchase individual and small health insurance may include one or more of the following:
- You just turned 26
- You are unemployed or self-employed
- You work part-time
- You are starting a business with employees
- You have recently retired
- Your spouse or dependents are not covered in your group plan
Types of Individual New York Health Insurance Options
Catastrophic Health Insurance
New York State offers the choice to enroll in a catastrophic health insurance plan, which is a High deductible health plan specifically for those under the age of 30. It’s a Qualified Health Plan and thus, meets all the requirements applicable to other New York Health Insurance Qualified Health Plans.
Essential Plan Health Insurance
The Essential Plan is a free New York health insurance plan for persons who do not qualify for Medicaid or Child Health Plus, but still, need affordable and high-quality health care. It is called the Essential Plan because, while it costs much less than other plans, it still offers you the same essential health benefits.
Association Health Plans
Association health plans are group health insurance plans made up of multiple employers and the self-employed that have a common bond, such as all belonging to the same industry. While these plans were popular before the ACA, they have lost favor and cannot be considered a NY health insurance option.
COBRA Health Insurance
As in all states, New York businesses are required to make available COBRA (Consolidated Omnibus Reconciliation Act of 1986) or a Continuation of Health Coverage. That’s the federal law allowing employees and their families the right to keep their group health coverage for a limited time and under certain conditions.
New York Medicare Health Insurance Options
Medicare is the federal health insurance plan designed for those aged 65 or older. Certain younger people with disabilities and those with End-Stage Renal Disease also qualify for a Medicare plan; 15% of those with Medicare in New York are under the age of 65 but qualify due to disability.
Medicare is broken down into two parts:
- Part A (Hospital Insurance) which you are eligible for if you are 65 or older and you or your spouse have worked and paid Medicare taxes for at least 10 years. *
- Part B (Medicare Insurance) is a voluntary program for which a monthly premium must be paid for all months of coverage. If you are eligible for premium-free Part A, you can also enroll in Part B.
Medicare is also a New York health insurance program that is offered both by insurance companies and other private companies approved by Medicare.
Medicare Advantage Plan
A Medicare Advantage Plan, also a New York health insurance program, is a type of Medicare health plan offered by a private company contracted with Medicare to provide all the benefits of both Part A and Part B (as above)
Medicaid
Medicaid is a health plan that is provided to million people of Americans, including certain low-income persons, children, pregnant women, seniors, and those that are certified blind or otherwise certified disabled. Income limits. New Yorkers can receive Medicaid coverage if they earn an income of up to 138% of the federal poverty level.
Dual Eligible Plan and D-SNP
Dual-eligible s are persons enrolled in both New York health insurance Medicare and Medicaid programs at the same time. This dual-eligibility occurs when a Medicare enrollee’s income and assets are low enough to also qualify them for financial help from Medicaid in paying for some of the costs of Medicare – or to have them qualify and be fully covered under both Medicare and Medicaid.
Free or Subsidized Individual NY Health Insurance Options
New York offers 4 health insurance options that are either free or subsidized:
Essential Plan
is a free insurance plan that offers 4 different options based on income. Children don’t qualify for the essential plan and usually purchase a child health plus policy
Columns that include % are the annual income level required to qualify for the essential plan
Family Size 100% 138% 150% 200%
1 $14,580 $20,121 $21,870 $29,160
2 $19,720 $27,214 $29,580 $39,440
3 $24,860 $34,307 $37,290 $49,720
4 $30,000 $41,400 $45,000 $60,000
5 $35,140 $48,494 $52,710 $70,280
Extra Person $5,140 $7,094 $7,710 $10,280
Monthly Premium $0 $0 $0 $20
With Dental NA NA $26 $46
*FPL – Federal poverty level
On-Exchange Qualified Health Plan
If your income is between 200 to 400% of the Income levels below, then you may qualify for an insurance subsidy. In order to determine the exact subsidy, run a quote above or call our office for further details at (888)215-4045
Columns that include % are the annual income level required to qualify for a subsidy or tax credit
Family Size 200% 250% 300% 350% 400%
1 $29,160 $36,450 $43,740 $51,030 $58,320
2 $39,440 $49,300 $59,190 $69,020 $78,880
3 $49,720 $62,150 $74,580 $87,010 $99,440
4 $60,000 $75,000 $90,000 $105,000 $120,000
5 $70,280 $87,850 $105,420 $122,990 $140,560
Extra Person $10,280 $12,850 $15,420 $17,990 $20,560
Medicaid
To qualify, you must meet one of the criteria:
- Adults (Up to 138% of the Monthly Income level below)
- Pregnant Women and Children under the age of 1: Up to 200% of Monthly Income
- Children between the ages of 19-20 that are Living with a Parent (Up to 150% of the Monthly Income level below)
Columns that include % are the monthly income level required to qualify for Medicaid
Family Size 100% 138% 150% 160% 200%
1 $1,215 $1,677 $1,872 $1,944 $2,430
2 $1,644 $2,268 $2,465 $2,630 $3,287
3 $2,072 $2,859 $3,108 $3,215 $4,144
4 $2,500 $3,450 $3,750 $4,000 $5,000
5 $2,929 $4,042 $4,393 $4,686 $5,857
Extra Person $429 $592 $643 $686 $857
Child Health Plus
Is either free or a low-cost health insurance program for children up to the age of 19
Columns that include % are the monthly income level required to qualify for Child Health Plus
Family Size 160% 200% 250% 300% 350% 400%
1 $1,944 $2,430 $3,038 $3,645 $4,253 $4,860
2 $2,630 $3,287 $4,109 $4,930 $5,752 $6,574
3 $3,315 $4,144 $5,180 $6,215 $7,251 $8,287
4 $4,000 $5.000 $6,250 $7,500 $8,750 $10,000
5 $4,686 $5,857 $7,321 $8,785 $10,250 $11,714
Extra Person $686 $857 $1,071 $1,285 $1,500 $1,714
Monthly Premium $9 Child Max. $27 Family $15 Child Max. $45 Family $30 Child Max. $90 Family $45 Child Max. $135 Family $60 Child Max. $180 Family $231 child No Max per Family
Health Insurance Companies that offer Subsidized, low cost or free health plan options
Below is a table of NY health insurance companies that offer either offer subsided, low cost or free health insurance options. For complete details about any specific company, please visit our dedicated NY Health Insurance Company page
Health Insurance Companies Individual Health Insurance (subsidy eligible) Group Health Insurance (business tax credit eligible) Essential Plan (Free or low cost eligible) Medicaid (free) Child Health Plus (Free or low cost eligible) Medicare (Free or low cost eligible))
Aetna
Affinity
CDPHP
Emblem
Empire
Excellus
Fidelis Care
Healthfirst
HealthNow WNY
HealthNow ENY
Humana
Independent
MetroPlus
Molina
MVP
Oscar
Oxford
UHC
Univera
WellCare
YourCare
NY State Government Insurance Programs Based on Health Conditions
Based on a combination of health issues and income, you may qualify for NY State Government Insurance programs, which provide coverage related to; specific medical issues, prescriptions, treatments, vaccines, pregnancy, and post-pregnancy-related support and nutritional supplements.
Use the chart below to determine what plan you may qualify for and then follow the link to review the plan information
New York Health Insurance Companies
- Aetna
- Affinity Health Plan
- Capital District Physician Health Plan (CDPHP)
- Crystal Run Health Plan
- EmblemHealth
- Empire (BlueCross BlueShield)
- Fidelis Care
- Health Insurance Plan of Greater New York (HIP)
- HealthFirst
- HealthNow (BlueCross BlueShield)
- Independent Health
- MetroPlus Health Plan
- Molina Healthcare
- MVP Health Care (Mohawk Valley Physicians Health Plan)
- Oscar
- Oxford
- United Healthcare of New York
- WellCare of New York
- YourCare Health Plan
- Excellus
- Humana
- Univera
New York health Insurance companies by county cross-comparison chart
A complete listing of every New York health insurance company and the counties they offer and or service health insurance plans
County Aetna Affinity Anthem CDPHP Crystal Run Emblem Empire Excellus Fidelis HealthFirst HealthNow ENY HealthNow WNY Humana Independent Metroplus Molina MVP Oscar Oxford Univera United WellCare YourCare
Albany
Allegany
Bronx
Broome
Cattaraugus
Cayuga
Chautauqua
Chemung
Chenango
Clinton
Columbia
Cortland
Delaware
Dutchess
Erie
Essex
Franklin
Fulton
Genesee
Greene
Hamilton
Herkimer
Jefferson
Kings
Lewis
Livingston
Madison
Monroe
Montgomery
Nassau
New York
Niagara
Oneida
Onondaga
Ontario
Orange
Orleans
Oswego
Otsego
Putnam
Queens
Rensselaer
Richmond
Rockland
Saratoga
Schenectady
Schoharie
Schuyler
Seneca
St. Lawrence
Steuben
Suffolk
Sullivan
Tioga
Tompkins
Ulster
Warren
Washington
Wayne
Westchester
Wyoming
Yates
New York Health Insurance Companies by Plan Type Offering
A complete listing of New York health insurance companies and the type of health insurance products they offer.
Health Insurance Companies Individual Health Insurance (subsidy eligible) Group Health Insurance (business tax credit eligible) Essential Plan (Free or low cost eligible) Medicaid (free) Child Health Plus (Free or low cost eligible) Medicare (Free or low cost eligible))
Aetna
Affinity
CDPHP
Emblem
Empire
Excellus
Fidelis Care
Healthfirst
HealthNow WNY
HealthNow ENY
Humana
Independent
MetroPlus
Molina
MVP
Oscar
Oxford
UHC
Univera
WellCare
YourCare
Least Expensive Full Premium New York health insurance plan by county
Listing of all New York State Health Insurance counties and the least expensive option in each
County Plan Name Premium
Albany Fidelis Care Bronze ST $399.67
Allegany Fidelis Care Bronze ST $350.60
Bronx Fidelis Care Bronze ST $402.19
Broome Fidelis Care Bronze ST $350.60
Cattaraugus Fidelis Care Bronze ST $402.19
Cayuga Fidelis Care Bronze ST $350.60
Chautauqua Fidelis Care Bronze ST $402.19
Chemung Fidelis Care Bronze ST $386.67
Chenango MVP Premier Bronze 2 $464.85
Clinton Fidelis Care Bronze ST $399.67
Columbia Fidelis Care Bronze ST $402.19
Cortland Fidelis Care Bronze ST $457.55
Delaware Fidelis Care Bronze ST $457.55
Dutchess Fidelis Care Bronze ST $350.60
Erie Fidelis Care Bronze ST $350.60
Essex Fidelis Care Bronze ST $386.67
Franklin Fidelis Care Bronze ST $386.67
Fulton Fidelis Care Bronze ST $399.67
Genesee Fidelis Care Bronze ST $350.60
Greene Fidelis Care Bronze ST $399.67
Hamilton Fidelis Care Bronze ST $386.67
Herkimer MVP Premier Bronze 2 $464.85
Jefferson Fidelis Care Bronze ST $386.67
Kings Fidelis Care Bronze ST $437.42
Lewis Fidelis Care Bronze ST $386.67
Livingston MVP Premier Bronze 2 $348.20
Madison Fidelis Care Bronze ST $386.67
Monroe MVP Premier Bronze 2 $348.20
Montgomery MVP Premier Bronze 2 $411.28
Nassau Fidelis Care Bronze ST $411.41
New York City Fidelis Care Bronze ST $437.42
Niagara Fidelis Care Bronze ST $350.60
Oneida Fidelis Care Bronze ST $386.67
Onondaga Fidelis Care Bronze ST $402.19
Ontario MVP Premier Bronze 2 $348.20
Orange Fidelis Care Bronze ST $457.55
Orleans Fidelis Care Bronze ST $350.60
Oswego Fidelis Care Bronze ST $386.67
Otsego MVP Premier Bronze 2 $464.85
Putnam Fidelis Care Bronze ST $457.55
Queens Fidelis Care Bronze ST $437.42
Rensselaer Fidelis Care Bronze ST $399.67
Richmond Fidelis Care Bronze ST $437.42
Rockland Fidelis Care Bronze ST $437.42
St. Lawrence Fidelis Care Bronze ST $386.67
Saratoga Fidelis Care Bronze ST $399.67
Schenectady Fidelis Care Bronze ST $399.67
Schoharie MVP Premier Bronze 2 $411.28
Schuyler Fidelis Care Bronze ST $402.19
Seneca MVP Premier Bronze 2 $348.20
Steuben Fidelis Care Bronze ST $402.19
Suffolk Fidelis Care Bronze ST $411.41
Sullivan Fidelis Care Bronze ST $457.55
Tioga Fidelis Care Bronze ST $402.19
Tompkins MVP Premier Bronze 2 $472.19
Ulster Fidelis Care Bronze ST $457.55
Warren Fidelis Care Bronze ST $399.67
Washington Fidelis Care Bronze ST $399.67
Wayne MVP Premier Bronze 2 $348.20
Westchester Fidelis Care Bronze ST $437.42
Wyoming Fidelis Care Bronze ST $350.60
Yates MVP Premier Bronze 2 $348.20
New York Health Insurance By County
- Albany
- Allegany
- Bronx
- Broome
- Cattaraugus
- Cayuga
- Chautauqua
- Chemung
- Chenango
- Clinton
- Columbia
- Cortland
- Delaware
- Dutchess
- Erie
- Essex
- Franklin
- Fulton
- Genesee
- Greene
- Hamilton
- Herkimer
- Jefferson
- Kings
- Lewis
- Livingston
- Madison
- Monroe
- Montgomery
- Nassau
- New York
- Niagara
- Oneida
- Onondaga
- Ontario
- Orange
- Orleans
- Oswego
- Otsego
- Putnam
- Queens
- Rensselaer
- Richmond
- Rockland
- Saratoga
- Schenectady
- Schoharie
- Schuyler
- Seneca
- St. Lawrence
- Steuben
- Suffolk
- Sullivan
- Tioga
- Tompkins
- Ulster
- Warren
- Washington
- Wayne
- Westchester
- Wyoming
- Yates