Compare ACA marketplace and private plans across the five boroughs of New York City — with a New York-licensed agent who knows the local carrier networks.
Not a government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
If you live in the five boroughs of New York City — covering Manhattan, Brooklyn, Queens, the Bronx and Staten Island — your health insurance options and pricing are shaped by the carriers and provider networks operating locally. Two plans with the same premium can have very different hospital and specialist networks, which is exactly where a good agent earns their keep.
The map here moves. Mount Sinai Beth Israel closed in April 2025, taking inpatient beds out of Lower Manhattan, and the systems keep absorbing independent hospitals under new names. A network list you looked at a year ago is not the one you are buying.
New York runs its own state-based marketplace, NY State of Health, and also offers the low-cost Essential Plan. New York expanded Medicaid and additionally offers the Essential Plan — a very low or $0-premium option for lower-income residents who earn too much for Medicaid. Between the two, many New Yorkers qualify for comprehensive coverage at little to no cost.
We're licensed in New York and quote New York City residents every week. We'll compare marketplace plans (with any premium tax credit you qualify for) against private off-marketplace options, check that your doctors and preferred hospitals are in-network, and enroll you over the phone — at no cost.
These systems operate in the area. Which ones a given plan actually contracts with varies by carrier and by plan — we check your specific doctors and hospitals before you enroll.
These companies offer individual and family health plans in New York City. We're an independent agency, not an insurance company, and we don't offer every plan available here. Tell us which doctors and hospitals matter to you and we'll show you what we can quote.
Don't see yours? Call a licensed agent — most answers take under two minutes.
Premiums in the five boroughs of New York City depend on your age, household size and income, and the specific plan. Many residents are found eligible for a premium tax credit that lowers the marketplace price substantially, while households above the income range pay full price. A licensed agent will price your exact ZIP in Manhattan, Brooklyn, Queens, the Bronx and Staten Island in a few minutes.
Carriers active in the New York City area include Fidelis Care, Healthfirst, UnitedHealthcare / Oxford, EmblemHealth, MetroPlusHealth and others, though the exact lineup and networks vary by county. We're an independent agency rather than a single carrier's captive shop, but we don't offer every plan sold here — tell a licensed agent which doctors you need and they'll tell you what we can quote.
The largest systems in the area include NewYork-Presbyterian, NYU Langone Health, Mount Sinai Health System, Northwell Health, Montefiore Einstein and NYC Health + Hospitals. Whether a specific plan contracts with a specific system varies — the same carrier may include one system on its PPO and exclude it from its HMO — so we check your actual doctors and hospitals against the plan you're considering instead of assuming a network from the carrier's name.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.