New York Health Insurance Carriers for 2026
These are the insurers selling individual and family health plans in New York for 2026, and where to buy them.
The New York individual market in 2026
Twelve insurers sell individual and family plans through NY State of Health for 2026, and all of them plan to stay for 2027. Each one chooses its own counties, so you may see anywhere from two to seven insurers depending on where you live. For 2027, state regulators approved an average 6% rate increase, well below the 20.6% insurers requested.
Insurers selling individual plans in New York
| Insurer | Sells Marketplace plans | Notes |
|---|---|---|
| Fidelis Care (New York Quality Healthcare Corporation) | Yes | Sells marketplace plans for 2026 and received an 8% average rate increase for 2027. |
| Healthfirst | Yes | Sells marketplace plans for 2026 and received a 5.1% average rate increase for 2027. |
| EmblemHealth (Health Insurance Plan of Greater New York) | Yes | Sells marketplace plans for 2026; regulators held its 2027 rates flat. |
| Anthem HP (formerly Empire HealthPlus) | Yes | The Anthem (Empire) entity selling marketplace plans; its 2027 rates were cut an average 3.1%. |
| MetroPlus Health Plan | Yes | Sells marketplace plans for 2026; regulators held its 2027 rates flat. |
| Oscar | Yes | Sells marketplace plans for 2026 and received a 3.9% average rate increase for 2027. |
| Excellus Health Plan | Yes | Sells marketplace plans for 2026 and received a 12.2% average rate increase for 2027. |
| MVP Health Plan | Yes | Sells marketplace plans for 2026 and received a 10.7% average rate increase for 2027. |
| Highmark Western and Northeastern New York (formerly HealthNow) | Yes | Sells marketplace plans for 2026 and received a 12.2% average rate increase for 2027. |
| UnitedHealthcare of New York | Yes | Sells marketplace plans for 2026; it asked for a 52.1% increase for 2027 and regulators approved 8.1%. |
| CDPHP (Capital District Physicians' Health Plan) | Yes | Sells marketplace plans for 2026; regulators held its 2027 rates flat. |
| Independent Health Benefits Corporation | Yes | Sells marketplace plans for 2026; regulators held its 2027 rates flat. |
Not every insurer sells in every county. Your ZIP code determines which plans you can buy.
New York questions
Don’t see your question? Ask a licensed agent or call (888) 214-4898.
Twelve: CDPHP, EmblemHealth, Anthem HP, Excellus, Fidelis Care, Healthfirst, Highmark, Independent Health, MetroPlus, MVP, Oscar and UnitedHealthcare. Each sells only in certain counties, so your choices depend on where you live.
State regulators approved an average 6% increase for individual plans in 2027, down from the 20.6% insurers asked for. Results ranged from a 3.1% cut for Anthem HP to a 12.2% increase for Excellus and Highmark. What you pay after subsidies can differ.
No. Aetna is not among the twelve insurers selling individual plans through NY State of Health for 2026.
Sources
Reviewed October 2026. Rules and prices change every year; a licensed agent will confirm what applies to you.
