Medicare & ACA health insurance in New York, NY.
Free, licensed-advisor comparison of every Medicare and ACA marketplace plan available in New York County and surrounding New York counties. Same-business-day callback. We represent 80+ Medicare plans and every major ACA carrier in your ZIP.
Medicare in New York, NY
New York, NY is served by 80+ Medicare Advantage and Part D plans across major national and regional carriers. The largest local Medicare presence is from Empire BCBS, with significant share also from UnitedHealthcare AARP, Humana, Aetna, and others.
Top Medicare carriers serving New York:
Major hospital systems in network
Most Medicare plans in New York include access to one or more of the area's major hospital systems. Network composition varies significantly by plan — confirm your specific providers before enrolling.
New York Medigap context
New York has continuous Medigap open enrollment year-round (no underwriting at any time) and bans Medigap excess charges.
New York residents who snowbird
Many New York residents winter in warmer states (Florida, Arizona, the Carolinas, Nevada). If you're one of them, your Medicare Advantage plan from your New York county likely won't cover routine care while you're away — only emergencies.
Consider Original Medicare + Medigap + a national Part D plan for two-state coverage. See snowbird Medicare planning → or use the state-pair guides:
ACA Marketplace in New York, NY — service area note
SilverEdge currently sells ACA Marketplace plans in 7 states: Texas, Oklahoma, Ohio, Missouri, Indiana, Florida, and Alabama. New York is not in our active ACA service area. For ACA enrollment in New York, you can:
- Use HealthCare.gov directly (or your state-based marketplace if applicable)
- Find a licensed ACA broker in New York via NIPR.com
- Use our free subsidy calculator to estimate your premium (works nationally)
New York ACA Marketplace at a glance:
Top carriers: Fidelis Care, Empire BCBS, UnitedHealthcare, EmblemHealth, Healthfirst. Average benchmark Silver plan premium: $685/month before subsidies.
For Medicare in New York, SilverEdge IS licensed and serving — see Medicare section above. Call (866) 534-1886 for free Medicare consultation in New York, NY.
Free local advisor consultation
SilverEdge has licensed advisors in New York who specialize in New York's Medicare and ACA markets. We compare every plan available in your specific ZIP code, verify your doctors and prescriptions are covered, and help you enroll — free, no obligation.
Most consultations take 14 minutes. Same-business-day callback during business hours (Mon-Fri 8am-8pm ET, Sat 9am-2pm ET). During Annual Enrollment Period (Oct 15-Dec 7) and Open Enrollment (Nov 1-Jan 15), we extend hours into evenings and weekends.
Talk to a New York licensed advisor — free
Compare every Medicare or ACA plan in New York, NY. We verify your doctors, your medications, and your specific situation against every option in your ZIP.