In New York, most health insurance projects cost between $200 and $800 per month, with a typical price near $450. Local labour, permits and materials move the final price, so treat the range below as a planning guide.
Typical health insurance cost
$200 – $800
per month · typical $450
A general planning range, not a quotation.
Health insurance cost breakdown
- Bronze plan$150 – $400typical $250
- Silver plan$300 – $600typical $450
- Gold plan$450 – $900typical $650
At a glance
- Typical range$200 – $800
- Unitper month
- Cities covered32
What Health Insurance costs
Monthly cost for individual health insurance in US/Canada. Subsidized marketplace plans start at $200; unsubsidized plans can be $800+. Employer coverage averages $450.
By city in New York
- Albany
- Binghamton
- Brentwood
- Bronx
- Brooklyn
- Buffalo
- Central Islip
- Commack
- Coram
- East Meadow
- Elmira
- Elmont
- Freeport
- Glens Falls
- Hicksville
- Levittown
- Manhattan
- Mount Vernon
- New Rochelle
- New York
- Niagara Falls
- Poughkeepsie
- Queens
- Saratoga Springs
- Schenectady
- Staten Island
- Syracuse
- Utica
- Valley Stream
- West Babylon
- White Plains
- Yonkers
Frequently asked questions
How do deductibles affect premium costs?
Higher deductibles (e.g., $5,000) lower monthly premiums. Lower deductibles increase premiums but reduce out-of-pocket when you need care.
When is open enrollment for health insurance?
Typically November to mid-December each year. Special enrollment periods exist for life changes like marriage or job loss.
What is the out-of-pocket maximum?
The most you pay per year for covered services. For 2025, maximum is $9,200 individual, after which insurance pays 100%.