Health insurance & Medicare · New York, NY (New York County)
Individual & Family Health Insurance in New York, New York
9.4% of New York adults aged 19 to 64 have no health insurance, below the U.S. rate of 11.1%. Help choosing an ACA Marketplace health plan, including checking whether you qualify for premium tax credits that lower your monthly cost. Olive, a licensed agent with Manna Financial Services, helps New York, NY households compare individual and family health insurance by phone or video, and the first conversation is free.
What matters for individual and family health insurance in New York
11.4% of New York workers are self-employed. Self-employed people buy their own coverage, and Marketplace tax credits are based on your expected net self-employment income, so a careful estimate matters.
New York by the numbers
- 9.4% of New York adults aged 19 to 64 have no health insurance, below the U.S. rate of 11.1%.
- 11.4% of New York workers are self-employed, above the U.S. figure of 9.8%. Self-employed people have no employer plan for health, life or disability coverage.
- 26.8% of New York households include children under 18, below the U.S. figure of 29.8%.
- About 1,056,000 New York residents are between 55 and 64, the group that will reach Medicare age over the next ten years.
New York and nearby communities
| Place | Uninsured adults 19–64 | Self-employed | Median household income |
|---|---|---|---|
| New York | 9.4% | 11.4% | $79,713 |
| Philadelphia | 9.6% | 7.9% | $60,698 |
| Boston | 4.2% | 7.9% | $94,755 |
| Baltimore | 8.1% | 7.2% | $59,826 |
| U.S. | 11.1% | 9.8% | $78,538 |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates.
How we help with individual and family health insurance
- Compare the Marketplace plans offered in your county
- Check premium tax credit and cost-sharing eligibility
- Confirm your doctors, hospitals and prescriptions are in network
- Enroll during Open Enrollment or a Special Enrollment Period
Read our full guide to individual and family health insurance
Rules that apply in New York
- New York residents buy individual and family Marketplace plans through HealthCare.gov or their state exchange. Plans and prices vary by county.
- Open Enrollment typically runs November 1 to January 15. Enroll by December 15 for coverage that starts January 1.
- Outside Open Enrollment, a qualifying life event such as losing other coverage, moving, marriage or a new baby opens a Special Enrollment Period.
- Marketplace premiums are the same with or without an agent. Insurance companies pay the agent.
Questions from New York
When can I enroll in a Marketplace plan?
Open Enrollment typically runs November 1 to January 15. Enroll by December 15 for coverage that starts January 1. Outside that window you need a qualifying life event, such as losing other coverage, moving, marriage or a new baby, to use a Special Enrollment Period.
Do I need to visit an office in New York?
No. Olive works with New York and New York County households by phone or video, so you can compare options from home. Most applications and signatures can be completed online.
Individual & Family Health Insurance near New York
Talk with Olive about individual and family health insurance.
Free, no obligation, by phone or video. Or call or text (937) 388-5346.