New York · Plan year 2027 · Updated October 24, 2026
New York health insurance for 2027
New York residents buy marketplace coverage through NY State of Health, its own state-run exchange. Open enrollment for 2027 runs November 1, 2026 to a closing date not yet announced. New York expanded Medicaid, so adults qualify up to $22,025 a year for one person.
| Where to enroll | NY State of Health |
|---|---|
| 2027 open enrollment | November 1, 2026 to not announced |
| Last day for Jan 1 coverage | not stated by the exchange |
| Medicaid expansion | Yes |
| State coverage mandate | No |
| Average 2027 rate change | +6% (approved), per the state's filings |
| Short-term plans | Not sold; state law bars them |
What a plan costs in New York
NY State of Health publishes its own plans and prices, which aren't in CMS's federal plan files, so we don't list county prices here. Get your benchmark silver price from NY State of Health's shopping tool and enter it in the subsidy calculator to see your credit.
Medicaid and CHIP limits in New York
Yearly income limits in 2026 dollars. Medicaid checks current monthly income, so divide by 12 for the monthly figure.
| Group | % of poverty line | 1 person | 2 | 3 | 4 |
|---|---|---|---|---|---|
| Adults without children | 138% | $22,025 | $29,863 | $37,702 | $45,540 |
| Parents | 138% | $22,025 | $29,863 | $37,702 | $45,540 |
| Pregnancy | 223% | $35,591 | $48,257 | $60,924 | $73,590 |
| Children under 1 | 223% | $35,591 | $48,257 | $60,924 | $73,590 |
| Children 1 to 5 | 154% | $24,578 | $33,326 | $42,073 | $50,820 |
| Children 6 to 18 | 154% | $24,578 | $33,326 | $42,073 | $50,820 |
| CHIP | 405% | $64,638 | $87,642 | $110,646 | $133,650 |
| Essential Plan | 200% | $31,920 | $43,280 | $54,640 | $66,000 |
Essential Plan covers adults from 138% to 200% of the poverty line who would otherwise buy a marketplace plan, usually at little or no premium.
Extra help from New York
- Essential Plan (Basic Health Program). Eligible New Yorkers with income below 200% FPL (about 1.3 million enrollees); year-round enrollment; $0 premium. (source)
Get a reminder before New York's deadline
Email onlySources: NY State of Health and CMS state marketplace list (exchange and dates); MACPAC MACStats, February 2026, and state Medicaid agencies (limits); HHS 2026 poverty guidelines; IRS Rev. Proc. 2026-26. All checked October 24, 2026. Methods.
Questions people ask
When is open enrollment in New York for 2027?
NY State of Health opens November 1, 2026; the closing date had not been announced as of October 24, 2026.
What is the Medicaid income limit in New York?
New York expanded Medicaid, so adults 19 to 64 qualify up to 138% of the poverty line: $22,025 a year for one person in 2026, checked against monthly income.