New York ACA health insurance plans for 2026.
New York runs its own state-based Marketplace, NY State of Health, separate from HealthCare.gov. SilverEdge can quote and enroll you on NY State of Health directly. We compare every on-exchange carrier in your county — Fidelis Care (Centene), Healthfirst, MetroPlusHealth, EmblemHealth, Empire BlueCross BlueShield, MVP Health Care, Excellus BCBS, Independent Health, and CDPHP — and check your doctor's network before you enroll.
New York's ACA Marketplace
New York runs its own state-based Marketplace, NY State of Health, separate from HealthCare.gov. SilverEdge can quote and enroll you on NY State of Health directly.
Most New Yorkers qualify for federal premium tax credits, plus the state's Essential Plan offers extremely low-cost or free coverage to working New Yorkers earning up to 250% of the Federal Poverty Level — a unique New York program.
2026 New York Marketplace carriers
Availability varies by county and metal tier (Bronze, Silver, Gold).
2026 New York on-exchange carriers include: Fidelis Care (Centene), Healthfirst, MetroPlusHealth, EmblemHealth, Empire BlueCross BlueShield, MVP Health Care, Excellus BCBS, Independent Health, and CDPHP.
Networks vary widely. Some plans use narrow networks built around a single health system; others use broader statewide PPOs. We verify your doctor and preferred hospital before recommending any plan.
Medicaid expansion in New York
New York expanded Medicaid under the ACA. Adults under 138% of the Federal Poverty Level generally qualify for Medicaid — there is no New York coverage gap.
New York ACA enrollment dates
- Open Enrollment: November 1, 2025 – January 15, 2026 for 2026 coverage.
- Plan effective dates: Plans selected by December 15 start January 1; plans selected December 16 – January 15 start February 1.
- Special Enrollment Period (SEP): Triggered by qualifying life events — losing coverage, marriage, birth, moving, income change. Runs 60 days from the event date.
New York counties we cover
All 62 New York counties.
Ready to enroll in New York ACA coverage?
Free, no pressure. Licensed in New York and all 50 states. We'll check your subsidy, compare every Marketplace plan in your county, and verify your doctor's network — all before you enroll.