New York · ACA Marketplace plans
ACA Marketplace plans in New York
Looking for ACA marketplace health insurance in New York? Here is how this coverage lane works specifically for New York residents, what it costs, and how to get it.
Facts on this page checked Jan 15, 2026. Sources are listed at the end.
How it works here
ACA Marketplace plans, explained for New York.
New York residents buy ACA Marketplace plans through NY State of Health. These are comprehensive plans that cover the ten essential health benefits, cannot deny you for a pre-existing condition, and are the only plans eligible for income-based premium tax credits.
Because New York runs a state-based marketplace, you enroll at NY State of Health. Plans and prices are set at the county level across New York's 62 counties, so two neighbors in different counties can see different options.
New York expanded Medicaid, so if your income is low you may qualify for Medicaid instead of a subsidized plan — the Marketplace will tell you when you apply.
NY State of Health is New York's state-based marketplace and also screens for Medicaid and Child Health Plus in one application.
New York's Essential Plan and other state affordability programs can lower costs for people with modest incomes beyond standard federal subsidy rules — check current eligibility on the state site.
Plan availability differs between New York City, downstate suburbs, and upstate counties, so ZIP-level shopping matters across the state's 62 counties.
New York facts
- Marketplace
- NY State of Health
- Medicaid expansion
- Adopted
- Uninsured rate
- ~5.2%
Open enrollment 2027
When New York can enroll.
- Opens
- Nov 1, 2026
- Sun
- For Jan 1 coverage
- Check the exchange
- NY State of Health sets this date
- Last day to enroll
- Jan 31, 2027
- Sun
New York runs its own exchange. These dates come from a secondary source (healthinsurance.org, Aug 2026). Confirm with NY State of Health before you rely on a date. Outside this window, a qualifying life event (a move, a new baby, losing other coverage) can open a Special Enrollment Period.
Medicare is different.Medicare’s annual enrollment runs Oct 15 to Dec 7, 2026. For Medicare help, visit our sister site OLYRON Medicare or Medicare.gov.
Dates checked Oct 15, 2026. Sources: HealthCare.gov: dates and deadlines; CMS statement, Jul 27, 2026.
More in this state
Other coverage in New York.
- Health sharingMember-funded medical cost sharing — not insurance.
- Short-term plansTemporary coverage to bridge a gap — limited benefits.
- MedicareOriginal Medicare, Advantage, and Medigap for 65+ and eligible.
- MedicaidFree or low-cost coverage based on income and household.
- DentalStandalone and bundled dental coverage options.
- VisionEye exams, glasses, and contacts coverage.
- TelehealthVirtual primary and urgent care memberships.
Questions
Good questions, short answers.
When is Open Enrollment in New York?
New York runs its own exchange, NY State of Health. Open Enrollment for 2027 coverage runs Nov 1, 2026 to Jan 31, 2027, according to a secondary source; confirm the dates with NY State of Health. A qualifying life event (a move, a new baby, losing other coverage) opens a Special Enrollment Period at other times of year.
Are New York Marketplace plans subsidized?
Yes — premium tax credits are available based on your income and household size, and many enrollees pay under $100/month.
Do I use HealthCare.gov or a state site in New York?
New York uses NY State of Health, its state-based marketplace — not HealthCare.gov — for enrollment and most subsidy screening.
Sources
- HealthCare.gov — the official ACA Health Insurance Marketplace · reviewed 2026-01-15
- CMS Center for Consumer Information & Insurance Oversight (marketplace types) · reviewed 2026-01-15
- OLYRON HealthMatch editorial methodology — how we source and rate options · reviewed 2026-01-15
Before the rush
Ready to see plans in New York?
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