Health insurance is a crucial part of life, especially in a bustling state like New York. Whether you’re living in Manhattan, Albany, Buffalo, or the suburbs, having the right health insurance plan can protect you from sky-high medical costs while giving you access to the best care.
In this post, we’ll explore the list of top health insurance companies in New York, the types of plans they offer, and what makes each one stand out.
🩺 Why Health Insurance Is Important in New York
New York is one of the most health-regulated states in the U.S., offering a wide array of private and government-backed insurance plans. The state operates its own exchange – NY State of Health – which allows individuals, families, and small businesses to compare and buy coverage.
Key reasons to have health insurance:
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Covers preventive services, doctor visits, hospitalizations, and prescriptions
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Protects against high medical bills in case of emergencies
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Offers peace of mind for chronic care, maternity, or mental health support
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Eligibility for subsidies or Medicaid for low-income individuals
🏆 Best Health Insurance Companies in New York
Here are the most trusted and popular health insurers operating in the state:
1. Fidelis Care
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Coverage: Medicaid, Essential Plan, Qualified Health Plans (ACA), Child Health Plus
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Why Choose: Known for affordable premiums, a wide doctor network, and programs for preventive care.
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Ideal For: Low-income families, individuals who qualify for state subsidies.
2. Empire BlueCross BlueShield (BCBS)
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Coverage: Individual, family, Medicare, employer-based plans
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Why Choose: Part of the national Blue Cross network, Empire offers large hospital access, flexible PPO and HMO options, and great customer service.
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Ideal For: Those looking for broad coverage and a reliable brand.
3. MetroPlus Health Plan
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Coverage: Medicaid, Medicare Advantage, Child Health Plus, and Marketplace plans
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Why Choose: Offers some of the lowest deductibles in NYC, strong local access, and great community support.
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Ideal For: NYC residents who want affordable urban health coverage.
4. Oscar Health
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Coverage: Individual, family, and small business plans
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Why Choose: Digital-first insurer with a user-friendly app, virtual doctor visits, and transparent billing.
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Ideal For: Tech-savvy users, freelancers, and remote workers.
5. Healthfirst
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Coverage: Medicaid, Medicare Advantage, and ACA marketplace plans
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Why Choose: Offers culturally sensitive care, multilingual support, and wide network coverage in NYC.
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Ideal For: New Yorkers who prefer personalized support and low-cost plans.
6. MVP Health Care
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Coverage: Individual and family plans, Medicare, and small group coverage
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Why Choose: Offers competitive rates for upstate residents and wellness incentives.
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Ideal For: Residents of upstate and western New York.
7. Excellus BlueCross BlueShield
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Coverage: Individual, family, Medicare, employer plans
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Why Choose: Strong presence in Rochester and surrounding areas; good reputation for customer service and claims handling.
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Ideal For: Western and Central NY residents.
💲 Average Health Insurance Cost in New York (2025)
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Individual plan (age 40): $530–$980/month (before subsidies)
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Family plan (2 adults + 1 child): $1,100–$1,800/month
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Essential Plans & Medicaid: As low as $0/month based on income
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Employer-based insurance: 50–80% premium usually paid by the employer
Subsidies are available through NY State of Health depending on your income.
📌 How to Choose the Right Health Insurance Plan
Choosing the best insurance isn’t just about the premium. Here’s what to check:
| Factor | What to Look For |
|---|---|
| Premiums | Monthly cost (can be offset with subsidies) |
| Deductibles | Amount you pay before insurance kicks in |
| Co-pays & coinsurance | Your share of doctor visits and prescriptions |
| Provider Network | Are your preferred doctors/hospitals included? |
| Prescription Coverage | Are your medications covered affordably? |
| Wellness Programs | Many insurers offer free checkups or fitness perks |
📝 Final Thoughts
New York is home to some of the most consumer-friendly health insurance options in the country, with numerous public and private carriers. Whether you’re self-employed, job-seeking, or looking for better family coverage, there’s a plan that fits your needs.
Pro Tip: Visit nystateofhealth.ny.gov to compare plans, estimate subsidies, and apply online.
FAQs
A: Top-rated companies include Fidelis Care, Empire BlueCross BlueShield, Oscar Health, MetroPlus, and Healthfirst. The best one depends on your location, income, and coverage needs.
A: Yes. If you’re unemployed, you may qualify for Medicaid, Essential Plans, or subsidized plans through the NY State of Health marketplace.
A: While there’s no state-level mandate, having health insurance is strongly recommended to avoid high out-of-pocket healthcare costs.
A: You can apply through the NY State of Health website, directly with insurance providers, or with the help of a licensed broker or navigator.
A: For a 40-year-old, plans typically range from $530 to $980/month before subsidies. Costs vary based on age, income, and plan level.
A: Yes, Medicaid and Essential Plans are low-cost or even free for eligible individuals and families based on income.
A: Not always. Each insurer has its own network. Before enrolling, check if your preferred doctor or hospital is included in the plan’s provider network.
A: No. Some companies include dental and vision in their plans, while others offer them as optional add-ons or separate policies.
A: Yes. Under the ACA, all NY health insurance plans must cover pre-existing conditions without extra charges.
A: The open enrollment typically runs from November to January, but you may qualify for a Special Enrollment Period if you’ve experienced life events like job loss, marriage, or relocation.