Read about each option, then tap to start your request with it already selected.
Compare off-exchange PPO and major-medical plans from private and association programs, with national networks like Cigna, Aetna or PHCS where available. Many are medically underwritten: price and approval depend on the carrier's application, not on this site.
Missed open enrollment? Some private plans accept applications any month. A licensed agent explains which ones you can apply for now and when a Marketplace special enrollment period may be better.
For freelancers, gig workers and owners who earn too much for subsidies. Compare private plans, HSA-eligible options and whether a small-group plan makes sense.
Retired before 65? Compare private plans, COBRA and Marketplace options to bridge the gap until Medicare.
Leaving a job? Compare your COBRA cost with private and Marketplace options before your election window closes.
Temporary coverage for a gap between plans. Short-term plans are not comprehensive coverage and may exclude pre-existing conditions.
Group health for businesses with roughly 2–50 employees. Send a census to the agent and get quotes from the carriers you want compared.
Marketplace plans and prices depend on where you live, usually your county or ZIP code. New York City is in New York County, Kings County, Queens County, Bronx County, and Richmond County.
New York runs its own State-based Marketplace for Plan Year 2027, according to CMS. Open Enrollment dates on a state Marketplace can differ from the HealthCare.gov calendar (November 1 to January 15). Use the official state enrollment site, or start at HealthCare.gov’s state page, which points you to it.
Official type for Plan Year 2027, per CMS: State-based Marketplace. Enroll at The Marketplace in your state (HealthCare.gov), or call 1-800-318-2596 (TTY 1-855-889-4325).
Plan availability and short-term rules differ by state, and doctor networks can differ by county. A licensed agent can compare private, off-exchange options with Marketplace coverage in New York City and tell you if a Marketplace plan would cost you less. Your request from this site goes only to Private Market Health and is never resold.
See also private health insurance in New York.
Reviewed November 13, 2026. Educational only — not insurance, tax or legal advice. This is not a government website.
Three steps. No obligation.
Your state, who needs coverage and their age range. About 60 seconds, no SSN.
Your request goes to one licensed health insurance agency, Private Market Health, and only that agency.
A licensed agent compares plans with you, including whether the ACA Marketplace would cost you less.
One licensed agency. No SSN. Never resold.