Ambetter from Fidelis Care is the best health insurance company in New York for 2027, with median Silver premiums of $786 per month, 29% below competing plans in its market. It serves all 62 New York counties, the most widely available insurer in our rankings. MVP Health Care ranks second, with Silver premiums of $1,162 per month across 45 counties. All ranked insurers have the same $3,750 Silver deductible and $12,000 out-of-pocket maximum, so premiums and provider networks are the biggest factors to compare.
Best Health Insurance in New York (2027)
Updated: November 13, 2026
Advertising & Editorial Disclosure
Key Takeaways
Ambetter from Fidelis Care is the best health insurance company in New York for 2027 with the lowest median Silver premium before subsidies and statewide availability.
New York has 61 individual health insurance plans from 12 insurers, but the median county has access to just 19 plans from four carriers. Your ZIP code determines which insurers and plans are available to you.
All standard Silver plans in New York have a $3,750 deductible and $12,000 out-of-pocket maximum. Silver premiums range from $786 to $1,984 monthly before subsidies, so comparing prices and provider networks is especially important.
Best Health Insurance Companies in New York
| Overall rating based on premiums, out-of-pocket costs, plan choice and availability. | The amount you pay for health insurance before any subsidies or tax credits are applied. | The amount you pay for covered health care services before your insurance starts sharing the costs. | The most you pay for covered in-network health care services in a plan year, excluding monthly premiums. | Network type determines your flexibility in choosing doctors and hospitals. | Number of New York counties where plans are offered. | |
|---|---|---|---|---|---|---|
Ambetter from Fidelis Care | 5.0 | $786 (29% Below Market) | $3,750 (At Market) | $12,000 (At Market) | INN | 62 |
MVP Health Care | 4.5 | $1,162 (At Market) | $3,750 (At Market) | $12,000 (At Market) | INN | 45 |
Anthem Blue Cross | 4.3 | $1,057 (4% Below Market) | $3,750 (At Market) | $12,000 (At Market) | INN | 26 |
Healthfirst | 4.3 | $1,030 (3% Below Market) | $3,750 (At Market) | $12,000 (At Market) | INN | 9 |
Independent Health | 4.2 | $1,025 (1% Below Market) | $3,750 (At Market) | $12,000 (At Market) | INN | 8 |
CDPHP | 4.2 | $1,177 (3% Above Market) | $3,750 (At Market) | $12,000 (At Market) | INN | 17 |
* Premiums, deductibles and out-of-pocket maximums are median costs for each provider’s Silver plans, based on a 40-year-old nonsmoker before subsidies. Our market comparisons measure insurer costs against competing Silver plans with the same network type operating in the same rating areas to account for local price differences.
* MetroPlus Health Plan, Univera Healthcare, Excellus BlueCross BlueShield, EmblemHealth, Highmark Blue Shield and UnitedHealthcare also operate in the state but were excluded from our rankings due to limited county availability or lower scores.
New York Health Insurance Market Overview
Where you live plays a major role in your health insurance options in New York. Although 12 insurers sell 61 individual plans statewide for 2027, most counties have access to just four carriers and 19 plans. Silver premiums range from $786 to $1,984 per month, but every Silver plan has the same $3,750 deductible and $12,000 out-of-pocket maximum. Compare local premiums and check whether your doctors participate when choosing coverage.
Individual plans | 61 | Your options depend heavily on where you live, despite the statewide plan selection. |
Carriers | 12 | Several insurers compete statewide, but most serve limited geographic areas. |
Median plans per county | 19 | Shoppers have fewer plans to compare locally than the statewide total suggests. |
Median carriers per county | 4 | Most residents can compare several insurers, though choices vary by county. |
Median Silver premium (range) | $1,169 ($786 to $1,984) | The wide price gap makes comparing local premiums essential to finding affordable coverage. |
Median Silver deductible | $3,750 | All Silver plans share the same deductible in New York. |
Median Silver MOOP | $12,000 | All Silver plans share the same spending cap, so lower premiums can offer better value. |
Ambetter
MoneyGeek Rating
5/ 5
5/5Premium Affordability
5/5Out-of-Pocket Costs
5/5Plan Choice
Median Monthly Premium
$786Median Deductible / MOOP
$3,750 / $12,000Network Types
INNAverage Marketplace Star Rating
4.0Marketplace quality ratings are from the Centers for Medicare & Medicaid Services (CMS) and range from 1 to 5 stars.
MVP Health Care
MoneyGeek Rating
4.5/ 5
4/5Premium Affordability
5/5Out-of-Pocket Costs
4.5/5Plan Choice
Median Monthly Premium
$1,162Median Deductible / MOOP
$3,750 / $12,000Network Types
INNAverage Marketplace Star Rating
4.0Marketplace quality ratings are from the Centers for Medicare & Medicaid Services (CMS) and range from 1 to 5 stars.
Anthem Blue Cross
MoneyGeek Rating
4.3/ 5
4.1/5Premium Affordability
5/5Out-of-Pocket Costs
3.9/5Plan Choice
Median Monthly Premium
$1,057Median Deductible / MOOP
$3,750 / $12,000Network Types
INNAverage Marketplace Star Rating
4.0Marketplace quality ratings are from the Centers for Medicare & Medicaid Services (CMS) and range from 1 to 5 stars.
Healthfirst
MoneyGeek Rating
4.3/ 5
4.1/5Premium Affordability
5/5Out-of-Pocket Costs
3.8/5Plan Choice
Median Monthly Premium
$1,030Median Deductible / MOOP
$3,750 / $12,000Network Types
INNAverage Marketplace Star Rating
4.0Marketplace quality ratings are from the Centers for Medicare & Medicaid Services (CMS) and range from 1 to 5 stars.
Independent Health
MoneyGeek Rating
4.2/ 5
4.1/5Premium Affordability
5/5Out-of-Pocket Costs
3.5/5Plan Choice
Median Monthly Premium
$1,025Median Deductible / MOOP
$3,750 / $12,000Network Types
INNAverage Marketplace Star Rating
5.0Marketplace quality ratings are from the Centers for Medicare & Medicaid Services (CMS) and range from 1 to 5 stars.
CDPHP
MoneyGeek Rating
4.2/ 5
3.9/5Premium Affordability
5/5Out-of-Pocket Costs
3.7/5Plan Choice
Median Monthly Premium
$1,177Median Deductible / MOOP
$3,750 / $12,000Network Types
INNAverage Marketplace Star Rating
5.0Marketplace quality ratings are from the Centers for Medicare & Medicaid Services (CMS) and range from 1 to 5 stars.
Compare Health Insurance Providers in New York
New York health insurance premiums vary by plan type, metal level and household size. Use the filters below to compare insurers by metal level, household size and HSA-eligibility. Silver-tier plans are the most common starting point because they're the only tier where income-based cost-sharing reductions apply.
Data filtered by:
Silver
Individual
No
| Ambetter from Fidelis Care | $786 | $3,750 | $12,000 |
| Independent Health | $1,025 | $3,750 | $12,000 |
| Healthfirst | $1,030 | $3,750 | $12,000 |
| Univera Healthcare | $1,054 | $3,750 | $12,000 |
| Anthem Blue Cross | $1,057 | $3,750 | $12,000 |
| MetroPlus Health Plan | $1,064 | $3,750 | $12,000 |
| MVP Health Care | $1,162 | $3,750 | $12,000 |
| CDPHP | $1,177 | $3,750 | $12,000 |
| Excellus BlueCross BlueShield | $1,256 | $3,750 | $12,000 |
| Highmark Blue Shield | $1,349 | $3,750 | $12,000 |
| EmblemHealth | $1,581 | $3,750 | $12,000 |
| UnitedHealthcare | $1,785 | $3,750 | $12,000 |
How Much Does Health Insurance Cost in New York?
New York health insurance costs average $1,264 per month for individual Silver coverage in 2027, before subsidies. Costs increase with household size, with couples paying $2,527 monthly, a parent and child paying $2,148 and families paying $3,601 for Silver plans.
Metal tier also affects premiums. An individual pays $941 per month for Bronze coverage compared with $1,892 for Platinum, a difference of $951 monthly. Higher metal tiers have lower out-of-pocket costs, so compare total expenses alongside premiums when choosing coverage.
Individual | $941 | $1,264 | $1,556 | $1,892 |
Couple | $1,882 | $2,527 | $3,111 | $3,785 |
Parent and Child | $1,600 | $2,148 | $2,645 | $3,217 |
Family | $2,682 | $3,601 | $4,434 | $5,393 |
* Average monthly premiums for nonsmokers before subsidies based on MoneyGeek's analysis of 2027 plan filings. Rates vary by household size, location and plan.
What Makes Health Insurance in New York Different From Other States?
New York operates its own health insurance marketplace through NY State of Health, separate from HealthCare.gov. Residents can apply for individual health insurance, Medicaid, Child Health Plus and the Essential Plan through one application. New York expanded Medicaid under the Affordable Care Act (ACA), covering eligible adults with incomes up to 138% of the federal poverty level.
New York also has stricter insurance pricing rules than most states. Insurers can't charge higher premiums based on age, tobacco use, gender or medical history. Instead, rates depend on your location, plan selection and household size. All 61 individual marketplace plans in our 2027 analysis use INN networks, so checking whether your doctors and hospitals participate is especially important.
NEW YORK ESSENTIAL PLAN INCOME LIMIT REDUCED TO 200% OF THE FEDERAL POVERTY LEVEL
New York's Essential Plan offers $0 monthly premiums and no deductible to eligible residents who don't qualify for Medicaid or other qualifying coverage. For 2027, the income limit is 200% of the federal poverty level, down from 250% before July 2026.
The expanded Essential Plan coverage for residents earning between 200% and 250% of the federal poverty level ended June 30, 2026, following federal funding changes. Residents above the new income limit may qualify for subsidized marketplace coverage instead.
Eligible residents can apply for the Essential Plan year-round through NY State of Health. Check your eligibility before purchasing a private plan, as the Essential Plan may provide substantially lower costs.
How to Choose the Best Health Insurance Plan in New York
Finding the best health insurance in New York starts with your household's medical needs, budget and preferred doctors. New York has 61 individual plans from 12 insurers in our 2027 analysis, but availability varies by county. Compare plans through NY State of Health, which also checks your eligibility for Medicaid, the Essential Plan and financial assistance.
Start with your household’s health needsReview your family's prescriptions, doctor visits and expected medical expenses. Bronze plans cost less monthly but have higher deductibles, while Gold and Platinum plans may save money if you need frequent care. For 2027, individual Bronze coverage averages $941 per month, compared with $1,556 for Gold. Consider how much care you'll use before paying more for a higher metal tier.
Check provider networks before enrollingAll 61 individual marketplace plans in our New York analysis use INN networks, which limit coverage to participating in-network doctors and hospitals except for emergencies. Confirm your preferred providers accept the specific plan you're considering. Network access can vary between insurers, even when plans have identical deductibles and out-of-pocket limits.
Check your eligibility for financial assistanceNY State of Health determines whether you qualify for premium tax credits, Medicaid or the Essential Plan based on income and household circumstances. The Essential Plan generally covers eligible residents earning up to 200% of the federal poverty level with $0 premiums and no deductible.
Federal premium tax credits may reduce marketplace premiums for eligible households earning between 100% and 400% of the federal poverty level. Qualifying Silver plan enrollees may also receive cost-sharing reductions that lower deductibles, copays and other expenses.
Calculate your total yearly costsDon't choose a plan based on premiums alone. New York's standard Silver plans have a $3,750 deductible and $12,000 out-of-pocket maximum for individual coverage in 2027. Standard Bronze plans have a $5,025 deductible, while Gold reduces it to $1,200 and Platinum eliminates it entirely. Nonstandard plans may have different deductibles.
Compare monthly premiums, deductibles, copays and prescription costs to estimate your annual expenses. Higher metal tiers may save money if you expect frequent or expensive medical care.
Review CMS quality ratingsCheck each insurer's CMS quality rating before enrolling. Marketplace plans receive one to five stars based on medical care, member satisfaction and plan administration. Higher ratings can indicate better preventive care, customer service and overall member experiences. Some newer plans may not have ratings yet, which doesn't necessarily mean they provide lower-quality care.
Frequently Asked Questions
Ambetter from Fidelis Care is the best health insurance company in New York for 2027, with Silver premiums of $786 per month, 29% below competing plans in the same areas. It serves all 62 counties. Your best fit depends on household size and whether you prioritize low premiums or low out-of-pocket costs.
You can buy individual health insurance through NY State of Health, New York's official marketplace. Open enrollment for 2027 runs from November 1, 2026, through January 31, 2027. Enroll by December 15, 2026, for coverage starting January 1. You can compare plans, check financial assistance eligibility and enroll online or with free help from a certified enrollment assister.
New York doesn't enforce a state mandate and the federal penalty ended in 2019. If you go without coverage, you'll pay full price for medical care and risk major out-of-pocket costs.
Yes. New York Medicaid covers eligible adults with incomes up to 138% of the federal poverty level. The Essential Plan offers $0 premiums and no deductible for qualifying residents earning up to 200% of the federal poverty level. The previous 250% income limit ended June 30, 2026. Children may qualify for free or low-cost coverage through Child Health Plus. Eligibility depends on household income and other requirements.
Our Methodology
MoneyGeek analyzed all 2027 New York health insurance plans using NY State of Health plan filings, covering ages 18, 26, 40, 50 and 60 across all available metal tiers. Each insurer receives an overall score out of five based on three weighted factors:
- Premium affordability (40%): We compare each insurer's Silver premiums with competing Silver plans of the same network type in the same rating areas. Insurers with lower premiums than their local competitors score higher. Actual rates vary by age, location and plan. Subsidies may also reduce what you pay.
- Out-of-pocket costs (30%): We compare Silver plan deductibles and maximum out-of-pocket limits against competing plans in the same rating areas and network types. Each measure accounts for half of this category.
- Plan choice (30%): We evaluate the percentage of New York counties each insurer serves, its median number of plans per county and the number of network types available (HMO, PPO, EPO and POS). Each measure carries equal weight.
Insurers must offer at least one Silver plan and serve at least 5% of New York's counties to qualify for our rankings. Scores reflect performance relative to other insurers within New York and aren't comparable across states.
In our Best by Plan Type section, we evaluate each insurer only on plans within a specific network type, compared with other insurers that have that type, so scores and rankings may differ from our overall ratings.
Learn more: MoneyGeek Health Insurance Methodology
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About Patrick Bryant
Patrick Bryant is the Vertical Lead for Health Insurance at MoneyGeek, where he researches insurance products, writes consumer guides and maintains the scoring methodologies behind our provider comparisons. He analyzed more than 100 health insurance carriers across all 50 U.S. states and multiple policy types. His methodologies are reviewed quarterly to reflect current market conditions and carrier data.