All 8 rating regions · computed from state filings · requested 2027 figures labeled
The New York Renewal Shock Index.
New York carriers requested a 21.1% average individual-market increase for 2027. Requested, not approved: DFS decides, and last year it cut the ask roughly in half (13.2% requested, 7.1% approved). Here is what the request would mean region by region — today's cheapest filed plan, the illustrative dollar impact, and the cost of shopping by premium alone. New York is community-rated, so the region is the grain: one premium per plan per region, never by age.
The statewide picture.
+21.1%
Requested 2027 average increase (carrier filings; not approved, not final)
13.2% → 7.1%
Last year, requested vs. approved — DFS cut the ask roughly in half (September 2, 2025)
$434–$647/mo
Cheapest filed plan, one adult, across regions (2026, unsubsidized)
$1,016–$1,984/yr
90th-percentile cost of premium-only shopping, by region
Two things New York does differently.
One price per plan, per region — never by age.
New York's individual market is community-rated: every plan has one premium per rating region, priced by state family tier (one adult, a couple, a family), never by member age or tobacco use. That is why this index is 8 regions instead of 62 counties — the region is the price. The tables show the one-adult (Individual) tier; plan availability is still confirmed county by county, because carriers' service areas are county-scoped even where premiums are not.
The Essential Plan comes first.
New York's Essential Plan covers residents with household income up to about 250% of the federal poverty level at little or no premium — many lower-income New Yorkers belong there, not in the qualified health plans priced on this page. Every figure here is an unsubsidized QHP baseline: if your income is anywhere near that line, NY State of Health screens you for the Essential Plan and Medicaid before these plans are your market at all.
Every region, one table.
"Cheapest plan" is the lowest-premium filed 2026 plan at the one-adult tier, unsubsidized; where the region's cheapest plan is not offered in every county, the county range is shown. "+21.1% would add" applies the requested statewide average to that premium — an illustration of a requested figure, since DFS has not approved it and final increases vary by plan and region. "Cost of premium-shopping" is the median annual amount the lowest-premium pick loses to the true-cost pick across nine care profiles in each of the region's counties (90th percentile in parentheses) — the number that's in your control regardless of what DFS approves.
| Region | Cheapest plan (one adult) | +21.1% would add | Cost of premium-shopping (median · p90) | Plans filed (by county) |
|---|---|---|---|---|
Rating Area 1 Albany, Columbia, Fulton, Greene, Montgomery, Rensselaer, Saratoga, Schenectady, Schoharie, Warren, Washington | $507–$693/mo by county | ~$107–$146/mo | $0/yr · $1,486 | 86–122 |
Rating Area 2 Allegany, Cattaraugus, Chautauqua, Erie, Genesee, Niagara, Orleans, Wyoming | $434/mo | ~$92/mo | $0/yr · $1,984 | 68–90 |
Rating Area 3 Delaware, Dutchess, Orange, Putnam, Sullivan, Ulster | $598/mo | ~$126/mo | $0/yr · $1,264 | 64–100 |
Rating Area 4 Bronx, Kings, New York, Queens, Richmond, Rockland, Westchester | $647/mo | ~$137/mo | $0/yr · $1,825 | 68–100 |
Rating Area 5 Livingston, Monroe, Ontario, Seneca, Wayne, Yates | $544/mo | ~$115/mo | $0/yr · $1,487 | 58 |
Rating Area 6 Broome, Cayuga, Chemung, Cortland, Onondaga, Schuyler, Steuben, Tioga, Tompkins | $509–$806/mo by county | ~$107–$170/mo | $0/yr · $1,699 | 44–90 |
Rating Area 7 Chenango, Clinton, Essex, Franklin, Hamilton, Herkimer, Jefferson, Lewis, Madison, Oneida, Oswego, Otsego, St. Lawrence | $525–$754/mo by county | ~$111–$159/mo | $0/yr · $1,414 | 58–114 |
Rating Area 8 Nassau, Suffolk | $638/mo | ~$135/mo | $0/yr · $1,016 | 74 |
The honest shape of that column: in every region, the median modeled profile loses nothing by picking the cheapest plan — community rating compresses New York's premium spread, and the lowest-premium plan is the right answer more often here than in age-rated states. The tail is where premium-only shopping costs real money: the 90th-percentile loss runs $1,016–$1,984 a year depending on the region.
Source: filed 2026 plans, snapshot snapshot_8827361338bd…, filings as of 2026-06-03. Requested 2027 figures: carrier filings on the NY DFS prior-approval portal, as tracked by acasignups.net, as of August 29, 2026 — requested, not approved. Full methodology: plan-choice statistics · the True-Cost Score
The 2027 questions New Yorkers are asking.
How much are New York health insurance rates going up in 2027?
Carriers requested a 21.1% weighted-average increase for New York's 2027 individual market — a request, not an approval, and not final. New York reviews every filing under prior approval: the Department of Financial Services can approve, cut, or reject each one, and it has historically cut requests roughly in half — last year carriers requested 13.2% and DFS approved 7.1% (announced September 2, 2025). Final 2027 rates land when DFS announces its decisions; this page is built to be regenerated the same day.
What would a 21.1% increase mean in dollars?
It depends on the region. The cheapest filed 2026 plan for one adult runs $434 to $647 a month across New York's 8 rating regions — so if the requested average were approved as filed and applied uniformly, the cheapest-plan increase alone would run roughly $92–$137 a month. That is an illustration of a requested figure: DFS has not approved it, final increases vary by plan and region, and last year's approvals came in at about half the ask.
Why regions instead of counties — and why doesn't my age matter?
New York's individual market is community-rated: a plan has one premium per rating region, priced by state family tier (one adult, a couple, a family), never by member age. A 28-year-old and a 58-year-old in the same region pay the same premium for the same plan. That is why this index has 8 rows instead of 62 — each region's premium is the number, with its counties listed. Plan availability is still confirmed county by county, because service areas are county-scoped even where premiums are not.
What if my income is under about 250% of the poverty level?
Then these tables are probably not your market. New York's Essential Plan covers residents with household income up to about 250% of the federal poverty level at little or no premium — many lower-income New Yorkers belong there, not in the qualified health plans priced here. Every figure on this page is an unsubsidized QHP baseline; NY State of Health screens for Essential Plan and Medicaid eligibility before anything else.
Where do these numbers come from?
Every premium is a real, unsubsidized 2026 filed rate from public government data, priced through the same deterministic engine as our plan-choice statistics; the premium-shopping columns come from a whole-year simulation across nine labeled care profiles per county, aggregated to the region. The requested 2027 figures come from the carrier filings posted on the NY DFS prior-approval portal, as tracked by acasignups.net, as of August 29, 2026 — requested, not approved. The full dataset behind this page is downloadable below.
When DFS announces finals, this page recomputes.
This page is public math: the same deterministic engine, the same committed dataset, regenerated the day the approved 2027 rates post. Insurf's enrollment support does not operate in New York — there is nothing to buy here.
Insurf, Inc. is not a licensed insurance agency; where Insurf offers enrollment support, it is provided by an individually licensed insurance producer, who may be compensated by carrier commissions when an enrollment occurs — that compensation is disclosed on estimates. Insurf's enrollment support does not operate in New York: this page is public math — informational only, not a solicitation of insurance business in New York, not an offer of coverage, not a recommendation to buy or drop any plan, and not financial, tax, legal, medical, coverage, or insurance advice. Insurf is not affiliated with or endorsed by the New York State Department of Financial Services or NY State of Health. Requested 2027 figures are from carrier rate filings under DFS prior approval and are not approved and not final; the dollar-impact column is an illustration applying the requested statewide average uniformly. All other figures are modeled from filed public data under labeled assumptions. Projections are labeled and are not guarantees.