Best 2026 Health Insurance Plans in New York
Compare 334 ACA Marketplace plans from 12 insurers in New York. See premiums by metal tier and estimate your subsidy in under a minute.
In New York, 334 ACA Marketplace health insurance plans from 12 insurers are available for 2026. For a 40-year-old before subsidies, Bronze plans start at $434/month, Silver plans at $582/month, Gold plans at $732/month, Platinum plans at $886/month, and Catastrophic plans at $185/month. The lowest-priced plan overall is Ambetter from Fidelis Care Catastrophic, Catastrophic, ST, INN, Fidelis Care HBX Network, Free Telemedicine Prgroam, Pediatric Dental from Issuer 25303 at $185/month. Most enrollees qualify for a premium tax credit that lowers what they actually pay each month.
Lowest-cost plan by tier in New York
Starting monthly premium for a 40-year-old, before any subsidy. Your price depends on age, income, and county.
$185/mo
View plan$434/mo
View plan$461/mo
View plan$582/mo
View plan$732/mo
View plan$886/mo
View planBrowse 2026 New York plans by metal tier
Pick a tier to see every on-exchange plan in it, with starting premiums for a 40-year-old before subsidy.
Insurers offering 2026 plans in New York
New York health insurance FAQ
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
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