ACA health insurance in New York
ACA health insurance in New York City, NY: open enrollment for 2027
Open enrollment for 2027 begins November 1. Where New York City residents shop for a plan, what the county and state lines mean for you, and how to get help choosing.
Get help choosing a plan in New York City
Call 855-367-1095. A licensed agent will go through your household, your income and your doctors with you.
Health insurance in New York City
New York runs its own marketplace, NY State of Health, so New York City residents shop there instead of on HealthCare.gov.
Because New York has its own programs for people with lower incomes, it pays to have someone check which option fits your household before you pick a plan.
New York City is in the five boroughs (New York, Kings, Queens, Bronx and Richmond counties), New York. Where you live decides which plans and prices you can get, because plan availability is set by county and ZIP code.
County and state lines near New York City
Many New Yorkers get care just outside the five boroughs, in Nassau, Suffolk or Westchester counties, and plan availability can change at the county line.
Check the networks
Marketplace plans have their own networks, and they differ from one plan to the next. These are among the largest systems serving the area. Naming them here is not a statement that any plan includes them.
- NYC Health + Hospitals
- NewYork-Presbyterian
- Mount Sinai Health System
- NYU Langone Health
- Northwell Health
The dates
Open enrollment for 2027 coverage begins November 1, 2026. Plans and prices for 2027 can differ from this year, and after open enrollment you can usually enroll only with a qualifying life event.
ACA questions in New York City
Where do I shop for an ACA plan in New York City?
New York runs its own marketplace, NY State of Health, so New York City residents shop there rather than on HealthCare.gov. New York also has the Essential Plan for some lower-income residents, which can change what is worth comparing.
Do county or state lines near New York City change my options?
Many New Yorkers get care just outside the five boroughs, in Nassau, Suffolk or Westchester counties, and plan availability can change at the county line.
What is the Essential Plan, and could it apply to me?
The Essential Plan is a New York program for some residents with lower incomes. Whether you qualify depends on your income and household. NY State of Health decides, and an agent can help you see whether it is worth comparing with other plans.
More for New York City
Ready to look at your options?
Call 855-367-1095 before open enrollment gets busy. There is no charge to review your options.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.