Health Insurance in New York

Health insurance in New York is available through NY State of Health, the state-based marketplace, along with health sharing, short-term plans, Medicare, and supplemental coverage. About 5.2% of New York's roughly 19.5 million residents are uninsured. New York expanded Medicaid, so low-income adults may qualify for free or low-cost coverage. Prices and plan choice vary across the state's 62 counties, so where you live matters. Use the guides below to find the right lane for your situation.

Marketplace: NY State of Health·Medicaid expansion: Adopted·Uninsured rate: ~5.2%·Counties: 62·Population: ~19.5M

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Frequently asked questions

Where do I buy health insurance in New York?
New York residents enroll through NY State of Health. You can also buy off-Marketplace plans, health sharing, or supplemental coverage directly.
Is Medicaid available in New York?
Yes. Because New York expanded Medicaid, adults under a certain income may qualify regardless of family status. Eligibility is based on income and household size.
How much does health insurance cost in New York?
It depends on your age, county, plan tier, and — most importantly — whether you qualify for a subsidy. Many New York enrollees pay well under $100/month after ACA premium tax credits. Use our calculators to estimate your cost.

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