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New York private health insurance FAQ
Answers scoped to New York and to official 2027 dates and rules. This is general information, not a personal recommendation.
When is Open Enrollment for 2027 health insurance in New York?
New York runs its own state-based Marketplace, NY State of Health, rather than using HealthCare.gov for individual enrollment. Open Enrollment for 2027 coverage is November 1, 2026 through January 31, 2027. Enroll or change by December 15, 2026 for coverage that starts January 1, 2027. After January 31, 2027, you usually need a Special Enrollment Period.
Sources: NY State of Health, 2027 Open Enrollment announcement; NY State of Health, 2027 plans.
Is this website only for New York residents?
Yes. newyorkprivatehealthconnected.com is a standalone New York site. It is not written for any other state, and it should not surface for searches about other states. Plan availability in New York depends on your county and ZIP code.
Can I buy individual health insurance in New York off the Exchange?
Yes. If you are not eligible for Advanced Premium Tax Credits, or you do not want to use them, you can often buy an ACA plan off the Exchange from an insurer or through an agent. Off-Exchange-only plans are still ACA plans when they are filed that way, but they are not eligible for federal premium subsidies or the enhanced benefits that run through NY State of Health.
Sources: NY State of Health, 2027 Individual QHP Participation by Issuer & County.
Do I qualify for a premium tax credit?
Only an official Marketplace eligibility determination can answer that for your household. Credits, when available, apply to eligible NY State of Health plans — not to off-Exchange ACA plans and not to short-term policies. Temporary enhanced credits from earlier years have ended; standard credits may still apply if you qualify. We can help you start that check. We will not invent a monthly credit amount on this website.
Sources: NY State of Health; HealthCare.gov.
Which companies sell individual ACA plans in New York in 2027?
Issuers offering 2027 individual Qualified Health Plans, from the official NY State of Health issuer-and-county participation PDF. The state announced 11 participating health insurers for 2027, down from 12 in 2026, after Oscar left the Marketplace. When the official tables count insurers, Highmark’s western and northeastern plans are counted as one, Anthem entities are counted as one, and Excellus/Univera are counted as one; CDPHP remains listed in counties where that brand is marketed after the Excellus combination. An official 2024 participation PDF was not located. An appointment does not mean every plan is available in every county.
Source: NY State of Health, 2027 Individual QHP Participation by Issuer & County.
Is short-term health insurance ACA coverage?
No. Short-term limited-duration insurance is not required to comply with ACA protections, is not minimum essential coverage, and does not qualify for premium tax credits. Insurers may deny applications because of medical history, and most of these plans do not cover pre-existing conditions. Expiration of a short-term plan does not by itself create a Marketplace Special Enrollment Period.
Source: DOL/HHS/Treasury, Aug. 7, 2025.
How long can a short-term plan last in New York?
It depends on the product being offered and on current federal and New York rules, which have changed in recent years. In August 2025, federal agencies said they do not intend to prioritize enforcement of the 2024 federal short-term definition pending new rulemaking. Ask for the duration actually being offered and read the outline of coverage; this site will not promise a particular term length.
Source: DOL/HHS/Treasury, Aug. 7, 2025.
When can I enroll outside Open Enrollment?
If you have a qualifying life event, you may get a Special Enrollment Period. Examples include certain household changes (marriage; birth, adoption, or foster placement; divorce or separation when you lose coverage), a qualifying move, loss of qualifying health coverage (generally within the past 60 days, or expected in the next 60 days; often 90 days after losing Medicaid or CHIP), or an offer of an individual coverage HRA. Some events have specific effective-date rules. Losing short-term coverage is not, by itself, a qualifying event.
What are essential health benefits?
They are the ten benefit categories ACA individual and small-group plans must cover: outpatient (ambulatory) care, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services including behavioral health treatment, prescription drugs, rehabilitative and habilitative services and devices, laboratory services, preventive and wellness services and chronic disease management, and pediatric services including oral and vision care.
Source: CMS, essential health benefits.
Who is the agent behind this New York site?
Adam Chidel is a licensed health insurance agent, CEO of Titan Legacy Insurance Brokerage and President of Chidel Family Insurance Inc. His National Producer Number is 18746906. He is based in Tampa, FL. Call 813-909-5628 or email achidel@titanlegacyins.com. His Florida resident insurance license number is W477560. His Florida license type is 2-15 Resident Health & Life (Including Annuities & Variable Contracts). Office hours are 8am–8pm ET. Our licensed team serves clients in all 50 states. This website is written for New York residents only. You can verify a Florida license on the DFS Licensee Search.
Source: Florida DFS Licensee Search. Florida license W477560. NPN 18746906. License type: Florida DFS, 2-15 Resident Health & Life (Including Annuities & Variable Contracts) Agent License.
Are you affiliated with NY State of Health or New York regulators?
No. This is a private agency website. We are not affiliated with NY State of Health, HealthCare.gov, HHS, CMS, or the New York State Department of Financial Services or NY State of Health. Official applications and official plan-comparison tools live on those government sites. We cite them so you can check our facts.
Why should I work with a broker instead of picking a plan on my own?
Twenty-five active licensed professionals work for you, the consumer, to find the carrier and policy that best fit your needs. As brokers, we are unbiased about which carrier you choose. We help you understand your options, narrow them down, submit applications, and work toward approval for coverage that balances what you pay in total each year — premium, deductible, copays, and prescriptions — against the benefits you receive. Insurance is not black and white. A 30-year-old who mainly goes in for an annual physical and a 55-year-old who takes several brand-name medications and hits a deductible every year should not expect the same year-long cost, or the same “best” plan. On ACA and Marketplace plans, the monthly premium cannot be based on your health or medical history; it may vary only by age, where you live, tobacco use, and whether the plan covers dependents. What still differs — often by a lot — is what you pay when you actually use care. Some private, medically underwritten (non-ACA) plans may consider health history, which can favor a healthier applicant and can mean a decline or a different price if you have significant conditions. ACA plans remain guaranteed issue regardless of health. We compare the total yearly picture, not just the premium.
Sources: HealthCare.gov; CMS Market Rating Reforms.
Can ACA Marketplace plans charge a higher premium because of my health?
No. Affordable Care Act and Marketplace plans cannot set your premium based on your health, medical history, or sex. Those premiums may vary only by age, location (rating area), tobacco use, and whether the plan covers an individual or a family. Total yearly cost can still differ a lot because deductibles, copays, coinsurance, and prescription costs depend on how you use care, so the plan that fits is often not the cheapest monthly premium. Some private, medically underwritten (non-ACA) plans may use health history in underwriting and pricing, which can favor a healthier applicant and can mean a decline or a different price if you have significant conditions. ACA plans remain guaranteed issue regardless of health.
Sources: HealthCare.gov, How insurance companies set health premiums; CMS Market Rating Reforms.
Which carriers is this agency appointed with in New York?
We are appointed with the issuers that offered individual ACA or Marketplace plans in New York in plan years 2020 through 2027, grouped by brand on our Carriers page, and with private PPO and other carriers including, but not limited to, the private names listed on that page. PHCS/MultiPlan is a PPO network, not a carrier. We also work with individual and small-business private options for self-employed people. An appointment does not mean every plan is available in every county or ZIP code, and some private brands are not sold in every state.
See the Carriers page for the full list and official sources.
What are your office hours?
We are available 8am–8pm ET. Call or email and we will respond during those hours.