New York Health Insurance 2026
Your complete guide to health insurance options in New York — Medicaid eligibility, ACA Marketplace plans, enrollment deadlines, and key resources.
New York at a Glance
What You Need to Know
- →New York has its own state-run Marketplace — use nystateofhealth.ny.gov, not healthcare.gov
- →New York allows young adults to stay on a parent's plan through age 29
- →New York Medicaid covers a broader range of services than federal minimums
- →No state individual mandate penalty in New York
How to Enroll
Frequently Asked Questions
Can I stay on my parents' health insurance past age 26 in New York?
Yes. New York state law allows young adults to remain on a parent's health insurance plan through age 29, regardless of marital or student status. This extends federal law, which only requires coverage through age 26. You typically pay the additional premium yourself.
What is NY State of Health?
NY State of Health is New York's official state-run health insurance marketplace. Residents must use this platform (not healthcare.gov) to shop for individual and family plans, apply for Medicaid, or check eligibility for Child Health Plus (CHIP). Open Enrollment typically runs November 1 through January 31.
What does New York Medicaid cover?
New York Medicaid is among the most comprehensive Medicaid programs in the US. It covers doctor visits, hospital stays, prescriptions, mental health, dental, vision, long-term care, and more. New York has also expanded Medicaid to cover certain immigrants who don't qualify for federal Medicaid.