Updated: November 26, 2025
Advertising & Editorial Disclosure
Why Trust MoneyGeek? We hand-collected health insurance data on all available plans in New York for consumers aged 18, 26, 40, 50 and 60 by visiting the state marketplace and accessing each plan manually. Since age is not a determinant in New York’s health insurance estimates, MoneyGeek also considered New York’s family size classification of individual, couple, parent and child only and family (couple plus children). MoneyGeek’s scoring methodology balances costs and claims approval to find the best providers in the state.
State marketplace plan data was updated and released in October for the 2025 enrollment period.
New York's best health insurance provider is Independent Health with a MoneyGeek score of 94 out of 100. Affordable rates combine with low maximum out-of-pocket (MOOP) costs and fewer claim denials than competitors, delivering quality coverage at manageable costs.
We examined 458 Silver in-network (INN) and 64 Silver out-of-network (OON) plans in this category.
Affordable prices
Second-lowest average MOOP cost
More likely to approve claims
Limited plan types
Independent Health offers 24 Silver OON plans, with an average premium of $521 per month and an average MOOP cost of $7,917.
Independent Health has a 0% claim denial rate.
Plan Recommendations
We suggest considering the following Silver plans from Independent Health:
Fidelis Care is the top health insurance provider for New Yorkers for low out-of-pocket costs, earning a MoneyGeek score of 95 out of 100. The company offers lower MOOP costs than competitors, which means policyholders save money even before their insurance coverage takes effect. It also has a higher rate of accepted insurance claims compared to other providers in the market.
We examined 408 Gold INN plans, 64 Gold OON plans, 336 Platinum INN plans and 40 Platinum OON plans.
Low MOOP costs
Excellent claims management and approval
Reasonable premiums
Limited plans
Fidelis Care offers 64 Gold INN plans and 64 Platinum INN plans. It has low MOOP costs of $3,375. It has good claims management and approval. Fidelis Care’s premiums cost around $836 per month.
Plan Recommendations
Fidelis Care's plans merit consideration:
Independent Health is the best provider of affordable health insurance in New York, securing a MoneyGeek score of 93 out of 100. For this category, we weighted plans based more on premium affordability. Plans with lower monthly premiums often go hand-in-hand with higher out-of-pocket costs. This balance works well if you require minimal medical attention.
We analyzed 458 Silver INN plans and 64 Silver OON plans to determine the winning company.
After: If you're focused solely on cost, MoneyGeek also determined the cheapest health insurance in New York.
Good price
Low MOOP expenses
Higher claim approval than others
Restricted plan options
Independent Health has 24 Silver OON plans, averaging $521 per month. Its MOOP costs are around $7,917. The company has a 0% claim denial rate. It has limited plan types.
Plan Recommendations
Independent Health's Silver plans stand out:
With a MoneyGeek score of 90 out of 100, Independent Health rises to the top as the best health insurance option for young New Yorkers. We examined providers that offer Bronze or Catastrophic plans. These plans are known for their budget-friendly premiums and high out-of-pocket costs. Keep in mind that Catastrophic plans cater exclusively to those under 30 years old.
For Bronze plans, we rated 602 INN and 48 OON options. As for Catastrophic plans, we evaluated 140 INN and 4 OON offerings.
Has the lowest average premiums
More likely to approve claims than competitors
Moderate MOOP expenses
Independent Health offers the lowest premiums, ranging from $374 to $1,065. Potential customers can choose between 24 Bronze OONs and four Catastrophic OONs.
It has a higher claim approval rate compared to competitors. But you have to pay relatively more compared to CDPHP before your insurance fully covers your medical costs. The MOOP expenses are around $7,857.
Plan Recommendations
Here are Independent Health’s best plans for young adults:
New York's health insurance market includes multiple plan types serving different needs. Top providers for each plan type include:
We focused our recommendations on Silver plans because they balance premium costs and out-of-pocket expenses. We analyzed 458 Silver INN and 64 Silver OON plans.
CDPHP offers 72 Silver INN plans, with an average monthly premium of $849 and a maximum out-of-pocket (MOOP) expense of $7,717. It is one of the most affordable providers and has a 0% claim denial rate, which means policyholders' claims get approved without hassle or delay.
Plan Recommendations
For Silver-tier plans under the INN category, we recommend:
Average monthly premiums hit $521 with MOOP expenses around $7,917 and a 0% claim denial rate. The insurer provides 24 Silver out-of-network (OON) plans.
Plan Recommendations
Consider these Silver out-of-network plans:
Premiums vary based on whether applicants are individuals, couples, single parents with children, or families. Insurers design coverage matching each group's unique requirements.
Independent Health earns a perfect MoneyGeek score of 100 out of 100 for New York families. Our recommendations focus on Silver plans, which balance premiums and out-of-pocket expenses and attract numerous families.
Families get 24 Silver out-of-network plans from this provider. Average monthly premiums run $1,485 with MOOP expenses of $7,917. New York families will struggle to find better rates and MOOP costs from other state providers.
Plan recommendations:
Families should explore these plans:
Your ideal New York health insurance plan depends on personal health care requirements and how you weigh monthly premium costs against care expenses.
New York health insurance companies offer in-network (INN) and out-of-network (OON) coverage options. The state has 1,944 INN plans and 220 OON plans. OON plans grant you the freedom to visit any health care provider, even those without a contract with your insurer. This flexibility results in higher copay costs since the providers aren't bound by contractual agreements with your insurance company. INN plans limit your choices to providers who have contracts with your insurer. The advantage of INN plans is that deductibles and co-insurance costs are lower since the contracted providers agree to offer services at negotiated rates.
Low monthly premium plans often have higher out-of-pocket costs. For instance, Independent Health offers premiums of around $521 monthly with a MOOP of roughly $7,917, while CDPHP costs $849 monthly with MOOPs of about $7,717. Consider this balance when choosing a health insurance plan.
New Yorkers over 65 or with specific qualifying conditions can access Medicare. While not completely free, it costs less than private insurance plans.
Medicare includes three main components:
Enhance your coverage with the best Medicare Advantage and best Medicare Supplement plans.
The most affordable health insurance option in New York for eligible individuals is Medicaid. This free government program is available to those with incomes below 138% of the Federal Poverty Level. In expansion states like New York, income solely determines Medicaid eligibility.
New Yorkers seeking health insurance have questions about costs and options. We provide answers to help you choose the best coverage for your needs.
With competitive rates, low out-of-pocket costs and a lower claims denial rate, Independent Health is a strong choice for individuals seeking reliable coverage without excessive financial risks.
Strike a balance between premium costs and the cost of care when selecting a health insurance plan. Keep in mind that different plan types offer varying levels of in-network and out-of-network coverage, which impacts your overall health care expenses and experience.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
