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- 4,800New Yorkers with Oscar who must pick a new plan
- 6.0%average approved 2027 increase, cut from 20.6% requested
- 11insurers selling marketplace plans for 2027, down from 12
One honest note. I am licensed in New York, but I am not a certified broker with NY State of Health, the state's own exchange. If you qualify for financial help or want a plan sold there, NY State of Health and its certified helpers can enroll you, and I will point you to one. Where I can help directly is comparing your options, including private plans sold outside the exchange.
What is happening in New York
Oscar Health is leaving the NY State of Health marketplace for 2027, which affects about 4,800 people who must pick a new plan. Eleven insurers will offer marketplace plans in 2027, down from 12. If you are with Oscar, check that your doctors are in network on whatever you choose next before you choose it.
New York regulators actually review and cut rate requests. For 2027, insurers in the individual market asked for an average increase of 20.6 percent, and the Department of Financial Services approved 6.0 percent. The averages hide wide differences from one plan to the next.
Where carriers are leaving
Carrier exits for 2027 are real, and they are spread across the country. Cigna is leaving the individual market in all 11 states where it sells. Baylor Scott & White is leaving Texas, CareSource is leaving Indiana, Ohio and West Virginia, Medica is leaving Iowa, Kansas and Oklahoma, and several smaller carriers are leaving other states. If you moved recently or have family elsewhere, the all states overview lists them.
What this means for you
If you get a subsidy, the headline increase is not what you pay. Your subsidy is recalculated on your estimated 2027 income, and it usually absorbs much of a price increase. Updating your income estimate matters more than the rate filing.
If you do not get a subsidy, you feel the full increase. This is where it pays to compare more than one kind of coverage. Private major medical plans are priced differently from ACA plans, and for some people who pay full price they can cost less for similar coverage. I compare both, side by side, so you can see the real numbers for your household.
The practical point: if your carrier stays, most plans renew automatically at the new 2027 price. If your carrier leaves, you may be moved automatically into a plan someone else picked. Neither checks whether a different plan now costs less or fits your doctors better. That check takes a few minutes.
The dates that matter in New York
New York runs its own exchange, NY State of Health, so it sets its own calendar. These are the dates NY State of Health has published for 2027 coverage.
- Fall 2026Renewal notices arrive with your 2027 price. Read it, even if you plan to keep your plan.
- November 1, 2026Open enrollment began on NY State of Health.
- December 15, 2026Enroll by this date for coverage that starts January 1, 2027.
- January 31, 2027Open enrollment closes.
What to do, in order
Read your renewal or non renewal notice
It shows your 2027 premium and any plan changes. Compare it with what you pay today.
Write down your doctors and your prescriptions
The physicians you want to keep and the exact drugs with dosages. Networks and drug lists change from year to year even when the carrier stays.
Update your income estimate for 2027
Your subsidy is based on your estimated income for the year ahead. If it changed, your real cost changes with it.
Compare before December 15
That is the last day to pick a plan that starts January 1 in New York. Compare on total cost, meaning premium plus deductible plus what you expect to use, and include private options if you pay full price.
Common questions
Is my health insurance company leaving New York in 2027?
One carrier is. Oscar Health is leaving the NY State of Health marketplace for 2027, which affects about 4,800 people. Eleven insurers will offer marketplace plans in 2027, down from 12.
Why is my premium changing for 2027?
Individual market insurers in New York asked for an average increase of 20.6 percent for 2027, and the Department of Financial Services approved 6.0 percent. If you get a subsidy, your net cost depends on your 2027 income.
Do I have to use a broker?
No. You can enroll yourself at NY State of Health at no cost. A licensed broker also costs you nothing, because brokers are paid by the carriers and the premium is identical either way. A broker can also show you private plans that are not sold on the marketplace.