ACA marketplace
ACA marketplace coverage in New York.
New York runs its own state-based marketplace, NY State of Health, with rules and plan options that differ from federal Healthcare.gov in important ways.
39 days left to enroll for January 1, 2027 coverage.
Enroll by Dec 15 for Jan 1 coverage, or by Jan 15 for Feb 1 coverage.
About the ACA marketplace in New York
New York operates its own state-based marketplace, NY State of Health. New York also offers the Essential Plan — a low-cost or no-cost coverage option for residents whose income falls between Medicaid eligibility and standard marketplace subsidy thresholds. The Essential Plan covers most of the same benefits as marketplace plans at significantly lower cost; we help eligible clients evaluate whether Essential Plan or a marketplace plan is the better fit.
Estimate your ACA subsidy
Enter your household size, projected income, and the ages of everyone who needs coverage. We'll estimate the monthly premium tax credit (APTC) you may qualify for.
Carriers we represent in New York
- Ambetter
- Oscar Health
- UnitedHealthcare
Carrier availability and plan options vary by county.
Our agents who serve New York
When you can enroll
- Open Enrollment Period: Typically November 16 through January 31 (NY State of Health)
- Special Enrollment Periods: triggered by qualifying life events (loss of coverage, marriage, birth, move, income change)
Request an ACA quote in New York.