The New York State Department of Health announced on the 28th that the 2027 enrollment period for private Qualified Health Plans (QHP) will run from Nov. 1 through Jan. 31, 2027. It recommends enrolling by Dec. 15 for coverage beginning Jan. 1. Eleven insurers are participating this year, and with Oscar Health leaving, 4,800 people will need to choose new plans.
The New York State Department of Health announced on Oct. 28 that the 2027 enrollment period for private Qualified Health Plans (QHP) will run from Nov. 1 through Jan. 31, 2027. To have coverage starting Jan. 1, 2027, the department recommends enrolling by Dec. 15. Dec. 15 is a recommended deadline; the official enrollment deadline is Jan. 31.
Eleven insurers will offer plans this year, down from 12 last year. With Oscar Health leaving the New York marketplace, 4,800 current enrollees must choose new coverage for 2027. Depending on income, people may qualify for a premium tax credit, and the credit amount is shown once income is entered during enrollment.
Under the federal law known as H.R. 1, Essential Plan eligibility also changed starting in July this year. The Department of Health said about 450,000 people with incomes above 200% and up to 250% of the federal poverty level lost eligibility for the Essential Plan. For a household of four, 200% of the federal poverty level is $66,000 a year. In addition, DACA recipients with incomes above 138% of the federal poverty level cannot enroll in NY State of Health plans. Starting Jan. 1 of next year, some Medicaid enrollees will also have to meet new requirements to keep their eligibility.
How to Apply
According to the Department of Health, more than 9,000 enrollment assistors are available statewide, so free help is available in every county. Medicare enrollees (age 65 and older) follow a separate schedule, the Medicare annual enrollment period (Oct. 15–Dec. 7). The 2027 premium increase rate was not included in this Department of Health announcement.