New York Marketplace 2027: Approved Rate Changes by Insurer

Every year New York’s health insurers file the rates they want for the next year, and the Department of Financial Services (DFS) decides what they get. The headline average is easy to find. What most people need is one level down: the decision for their insurer. This study puts every 2027 decision in one table, adds the size of each insurer’s filing, and explains what a rate decision does and does not mean for a household’s bill.

The individual market, insurer by insurer

Members at filing are the counts each insurer reported in its 2027 application; they add up to 193,370 and are smaller than the current enrollment DFS cites, about 224,000. The last column follows DFS’s footnote, which marks the insurers that will offer products on the NY State of Health Marketplace in 2027.

Three things stand out. First, DFS cut almost everyone, and four requests to zero. Second, the city’s most familiar names landed low: MetroPlus and Emblem (HIP) at 0.0%, Healthfirst at +5.1%, Fidelis at +8.0%. Those four are the plans most New Yorkers see. Third, only three insurers were approved above +10%: Excellus, Highmark and MVP.

One flag to check. DFS’s table does not mark Oscar as offering products on NY State of Health in 2027, while its filing was for plans both on and off the marketplace. If you bought an Oscar plan through NY State of Health for 2026, read your renewal notice closely and ask NY State of Health at 1-855-355-5777 which plan you will be moved to if you do nothing.

Two filings with no decision row: Aetna Life (51 members) and UnitedHealthcare Insurance Company of New York (129 members) filed small off-marketplace products and do not appear in the decision table.

Small group, for employers up to 100 workers

DFS put the savings against the requests at $324 million for individual buyers and $1.25 billion for small businesses, about $1.6 billion for the roughly 860,000 people in the two markets.

What an approved rate change means for your bill

An approved rate is an average change in the sticker price, across all of one insurer’s plans and members. It is not your renewal price. Inside a single filing the requested changes ranged widely: Excellus asked for anywhere from 0.0% to +96.3% depending on the plan, CDPHP from -7.0% to +96.6%. DFS publishes the averages; your plan’s 2027 price is on your renewal notice and in the NY State of Health plan preview.

Then the tax credit sits between the sticker price and what you pay:

• If you get a premium tax credit, it is sized against the benchmark silver plan where you live and your income, not against your own plan’s rate. When the benchmark rises, the credit generally rises with it. What you feel is the difference between your plan and the benchmark, which can grow or shrink. How the credit is calculated.
• If your income is above 400% of the poverty level, $63,840 for one person and $132,000 for a family of four in 2026 figures, you generally get no credit for 2027, because the enhanced credits expired at the end of 2025. You pay the full sticker price, and the rate change lands on you directly.

A rough scale for that second group: 6.0% on New York’s 2026 average premium of $812 a month is about $49 a month, roughly $585 a year. An insurer approved at 0.0% adds nothing to the sticker price; one at +12.2% adds about twice the average.

Who buys these plans

The CMS public use file for the 2026 open enrollment gives the clearest snapshot of New York’s marketplace buyers:

DFS’s rate page says about 58% of current marketplace enrollees receive the credit. The two figures measure different moments: CMS counts plan selections in the 2026 open enrollment, while DFS describes current enrollment, after the Essential Plan’s 200% to 250% tier ended on July 1, 2026 and those households were moved into marketplace plans, most of them with credits. We report both and do not blend them.

What this means for you

1. Find your insurer in the table above. That is the average for your carrier, not your price.
2. When open enrollment opens on November 1, 2026, log in to NY State of Health and compare your current plan’s 2027 net price with two or three others in your county. Doing nothing means auto-renewal.
3. If you are near 400% of the poverty level, re-check your income estimate before you choose: below the line you may qualify for a credit; above it you pay the sticker price.
4. Deadline: pick by December 15 for coverage that starts January 1; the window closes January 31, 2027. Free help: a certified navigator, or 1-855-355-5777.

The sentence for the call: “I’m comparing plans for 2027. What will my plan cost per month after my tax credit, and what would the second-cheapest silver plan in my county cost me?”

Methodology

We downloaded the DFS “2027 Individual and Small Group Requested & Approved Rate Actions” page (updated 09/04/2026) and the DFS “Additional Information - 2027” page on October 16, 2026, parsed both tables with Python, and matched each decision row to its filing by the requested weighted average, which is identical on both pages. Members at filing, product codes, SERFF numbers and the requested lowest-to-highest range come from the filing table. The context figures come from the CMS 2026 OEP State-Level Public Use File (tables 2, 5, 7 and 10, New York row); shares are our arithmetic. The $49 and $585 figures are an illustration that applies the average approved change to the average 2026 premium, not a forecast for any plan. Per-plan approved rates were not part of these pages.

Download: ny-marketplace-2027-rate-decisions.csv, one row per insurer and market, and ny-marketplace-2026-context.csv with the CMS and DFS context figures. Free to reuse under CC BY 4.0. Credit: NYC Med News, “New York Marketplace 2027: Approved Rate Changes by Insurer,” October 16, 2026.