New York’s health insurance marketplace is accepting enrollment for 2027, with a Dec. 15 deadline for consumers seeking coverage that begins Jan. 1.
The state Department of Health says the open enrollment period for Qualified Health Plans runs from Nov. 1, 2026, through Jan. 31, 2027. The window lets new customers sign up and existing members review and renew coverage.
For Mohawk Valley households, the practical first step is to compare the full cost of a plan, including premiums and out-of-pocket charges, and check that doctors and prescriptions are covered.
Free help is available locally
The state’s Find Local Help directory connects consumers with enrollment assistance. It says assistors work in community locations in every county, provide help in multiple languages and offer weekday, evening and weekend availability. The help is free.
The directory distinguishes among navigators, certified application counselors and marketplace facilitated enrollers. Some work for hospitals or community organizations; facilitated enrollers work for health plans. Ask which role an adviser serves and which options they can help you compare.
Consumers can also call the marketplace at 1-855-355-5777, or TTY 1-800-662-1220. Before an appointment, write down the questions that matter to your household: a preferred doctor, an ongoing prescription or the amount you could pay when care is needed.
Check your current coverage
Eleven insurers offer Qualified Health Plans for 2027, according to the department. Oscar Health is leaving the marketplace, so its affected customers need to select another plan.
Eligible New Yorkers can enroll in Medicaid, Child Health Plus and the Essential Plan throughout the year. Those programs do not use the same annual enrollment window.
The department also urges consumers to keep their contact information current and read marketplace notices carefully. An old plan name or last year’s premium is not enough information for a renewal decision.