Country Guide
Best Health Insurance in New York (2026)
New York runs its own marketplace and expanded Medicaid. NY has unique essential health benefits requirements.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in New York
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | Oscar Health NY | NYC digital-first | $5,520/yr | — |
| 2 | EmblemHealth | NY-based carrier | $5,280/yr | — |
| 3 | Healthfirst | NYC area coverage | $4,920/yr | — |
| 4 | Excellus BCBS | Upstate NY | $5,040/yr | — |
| 5 | MVP Health Care | Upstate/Capital Region | $4,800/yr | — |