A good health insurance plan can help you and your family afford the healthcare you need without worrying about finances. But finding the right health insurance can be tricky, especially when you start comparing plan levels, deductibles, premiums, and plan types.
That’s why we’ve highlighted the need-to-know information that can help you find affordable health insurance in New York that fits your healthcare needs and your budget.
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The average cost of health insurance in New York varies depending on the plan level that you choose. In New York, Bronze, Silver, Gold, and Platinum health insurance tiers are available. Bronze plans have some of the lowest premiums, but the more expensive deductibles make these plans practical if you only need occasional healthcare. Gold plans have more expensive premiums but they also have lower deductibles, so you might choose a Gold plan if you know you have significant or frequent healthcare needs.
| Average Premium for Health Insurance in New York | |
| Most Affordable Bronze Plan | $429 |
| Most Affordable Silver Plan | $569 |
| Most Affordable Gold Plan | $724 |
You may also be able to save money on your health insurance costs if you’re eligible for an employer-sponsored plan. The average cost of employer-sponsored health insurance plans in New York is $1,705 per year.
Other factors, like your age and health status, also impact what you’ll pay for health insurance. Since costs can vary so much, getting a personalized quote will give you the most accurate idea of what you’ll pay for health insurance. You can get a free health insurance quote from ConsumerCoverage today.
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Several free and low-cost New York health insurance programs are designed for low-income individuals.
New York Medicaid
The New York Medicaid program offers coverage to children, pregnant women, adults over age 65, and adults with qualifying disabilities. Income and household size eligibility requirements for this program vary.
Child Health Plus in New York
The Child Health Plus in New York program is designed for children under age 19 who don’t qualify for Medicaid or have other health insurance coverage. This program offers fre or low-cost coverage as long as applicants meet income eligibility requirements, which vary depending on household size.
New York’s Essential Plan
New York’s Essential Plan is a program designed for adults age 19 to 64. Eligible adults must have low incomes but can’t qualify for Medicaid coverage, and will pay a monthly premium of $20 or $0, depending on their income.
New York Medicare
The New York Medicare program is available to adults age 65 or older, or individuals with qualifying disabilities. Original Medicare or Medicare Advantage Plans offer coverage such as hospital treatments, outpatient visits, and prescription drug coverage.
As you shop for health insurance, consider not only how premiums compare, but also how deductibles, coverage, and exclusions stack up. Get a free, personalized quote from ConsumerCoverage today to get started shopping.
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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
