Health Insurance Cost in New York

Health insurance premiums in New York vary by household size and plan type. Single coverage averages $600, while family plans average $1,650 monthly.

Premium Ranges by Household Size

Single Person

Monthly premium

Low End:$400

Average:$600

High End:$920

Couple

Monthly premium

Low End:$800

Average:$1,200

High End:$1,840

Family of 4

Monthly premium

Low End:$1,200

Average:$1,650

High End:$2,500

Health Insurance in New York: Key Facts

Where to Buy

For ACA-compliant plans and subsidies, residents use NY State of Health.

Major Carriers

Common insurers in the state include:

Fidelis CareEmpire BlueCross BlueShieldUnitedHealthcareMetroPlus

Detailed Cost Breakdowns

Single Person Coverage

Monthly premiums range from $400 to $920

View details →

Couple Coverage

Monthly premiums range from $800 to $1,840

View details →

Family of 4 Coverage

Monthly premiums range from $1,200 to $2,500

View details →

Related Resources

ACA subsidy examples for New York
See how subsidies can reduce your monthly premium
Income limits for ACA subsidies
Check if you qualify for financial assistance
Medical procedure costs in New York
Understand out-of-pocket costs for common procedures

Information Sources

Sources & Disclaimer

Sources:

HealthCare.gov — Official ACA marketplace information and plan data
CMS Public Use Files — Federal marketplace enrollment and premium data
KFF Health Reform Analysis — Independent analysis of marketplace premium trends

Last Updated: January 2026

Disclaimer: The information provided is for educational purposes only. Actual costs vary based on individual circumstances, location, age, plan selection, and other factors. Always verify current information with official sources or licensed professionals. This site does not sell insurance or provide medical advice and is not affiliated with any insurance company or healthcare provider.