Buying health insurance in New York is primarily done through , the state's official marketplace. 1. Key Enrollment Periods Timing depends on the type of plan you need:
The annual Open Enrollment Period for 2026 coverage typically runs from November 1 to January 31 . To have coverage start by January 1, you must generally enroll by December 15 .
If you qualify for Medicaid , Child Health Plus , or the Essential Plan , you can enroll at any time during the year. 2. Types of Plans Available
Based on your income and household size, you may qualify for different options: Open Enrollment and Renewals for the 2026 Plan Year