Ambetter from Fidelis Care in 2027: Metal Levels, Dental for Adults, Rates and How to Enroll

What is Ambetter from Fidelis Care?

Ambetter from Fidelis Care is the name Fidelis Care uses for its Qualified Health Plans: commercial insurance sold through New York’s marketplace, NY State of Health. Ambetter is Centene’s national marketplace brand, and Fidelis is Centene’s New York company, which is why the two names appear together on the card.

It sits on a different rung from the rest of the Fidelis lineup. Fidelis Medicaid, the Fidelis Essential Plan and Fidelis Child Health Plus are public programs with no premium or a small one. Ambetter plans charge a monthly premium, and most have a deductible, copays and coinsurance. Tax credits reduce the premium for many buyers. Is Fidelis Care Medicaid? Every Fidelis plan decoded.

People usually land on Ambetter in one of three ways: their income is above the Essential Plan line, they lost the Essential Plan when the 200 to 250% tier ended on July 1, 2026, or they are not eligible for public programs and are buying coverage on their own.

Which Ambetter metal levels are sold in New York?

Fidelis lists six levels. The first table shows what Fidelis says about each one; premiums, deductibles and copays differ by plan and county and are set out in each plan’s 2027 comparison chart on the Fidelis site.

Fidelis also lists a wellness rewards program of up to $325 a year and a fitness reimbursement of up to $200 per member every six months. Those are perks, not reasons to choose a plan; the network and the deductible decide your costs.

Does Ambetter cover dental for adults?

Only in some plans, and that is the most common surprise. Fidelis says some Ambetter plans include dental and vision coverage, that Gold Enhanced offers additional dental and vision options for adults in select counties, and that Gold members can elect dental and vision coverage for an additional cost. It does not list adult dental as part of the other levels.

Children are treated differently. Under the marketplace rules, dental care for children is an essential health benefit, and NY State of Health’s dental fact sheet says pediatric dental can come through the health plan or through a stand-alone pediatric dental plan. Adults who want dental and are not in a plan that includes it can buy a stand-alone dental plan through NY State of Health.

What to ask before you pick a plan:

“Does this exact Ambetter plan, [plan name], include adult dental? If so, which dental network, what is the annual maximum, and is there a waiting period for fillings or crowns?”

If the answer is no, compare the cost of Gold Enhanced, or of Gold plus the dental add-on, against a Silver or Bronze plan with a separate dental plan.

What do Ambetter plans cost in 2027?

For 2027, Fidelis (filing as NY Quality Healthcare Corporation) asked the Department of Financial Services for an average 28.4% increase on its individual plans. DFS approved 8.0%. Across New York’s individual market, insurers asked for an average 20.6% and DFS approved 6.0%.

An average is not your bill. Your 2027 premium depends on the plan, your county, and how large your tax credit is. The enhanced federal tax credits expired at the end of 2025, so a household that paid nearly nothing in 2025 may see a real premium in 2027 even at an 8% rate change. All 2027 rate changes by insurer · How the premium tax credit works.

How do I enroll in Ambetter from Fidelis Care?

Through NY State of Health, which Fidelis says is how you receive the plan’s benefits with any financial help.

Fidelis’s own enrollment and member line is 1-888-FIDELIS (1-888-343-3547), TTY 711, and its offices see people by appointment. Fidelis community offices in NYC.

When Ambetter is the wrong choice

If your income is below 200% of the poverty level and you are 19 to 64, check the Essential Plan first. Its enrollees pay $0 in premiums, per the state Health Department, and it is open year-round. Fidelis runs it too, so you may keep the same doctors.

If your income dropped, report it. A change can move you to Medicaid or the Essential Plan in any month; you do not wait for open enrollment.

If your doctor is in one Fidelis network, confirm it is the Ambetter network. Networks can differ between a carrier’s Medicaid and marketplace products, so “my dentist takes Fidelis” may mean Fidelis Medicaid only.

The weak point of comparing Ambetter on premium alone: a Bronze plan at $0 after credits can leave you with a deductible of thousands of dollars. If you expect regular care, price the deductible in. Cost-sharing reductions on Silver plans.