Girl with Doctor Cropped 2

New York Health Insurance Policies & Programs


Safeguarding Healthcare for All New Yorkers

The Department of Financial Services will continue to protect New Yorkers from all actions that undermine the Affordable Care Act and New York’s Insurance Laws and regulations.

United / Montefiore Contract Dispute

UnitedHealthcare/Oxford and Montefiore hospital system have been unable to reach agreement on renewal of their participating provider contract.

Spikes in Prescription Drugs

DFS investigates significant price increases for certain drugs sold, purchased or advertised in New York State and requires companies to show a reasonable justification for sudden increases.

Mental Health and Substance Use Disorder

Transgender-Related Healthcare

If you have insurance through your job, the NY State of Health Marketplace, or in the individual market our Health Coverage Information for Transgender New Yorkers: What You Need to Know to Get Care guide will help you access coverage for gender-affirming care.

Health Insurance Coverage for Infertility Services, Fertility Preservation Services, and Health Care Services Related to Surrogacy

New York State of Health Marketplace

The New York State of Health Marketplace can help you shop for and enroll in health insurance. You can use the Exchange to compare options and prices offered through the Exchange, calculate costs and enroll in coverage online, in person, over the phone or by mail. You may also qualify to receive federal tax credits to help pay for insurance offered through the Exchange.

External Appeals

If your insurer or HMO denies health care services as not medically necessary, experimental/investigational or out-of-network, you have the right to appeal to the Department of Financial Services. This appeal is known as an external appeal. Health care providers also have the right to an external appeal when health care services are denied (concurrently or retrospectively). Learn how to file an External Appeal. Search and review prior external appeal decisions using our External Appeals Database.

Child Health Plus

Every child in New York who is under age 19 who does not have health insurance is eligible for the Child Health Plus program. Child Health Plus offers comprehensive health coverage, including physician visits, hospital stays, outpatient care and prescription drugs. No copayments apply. Visit the Department of Health for more information on Child Health Plus or call (800) 698-4543 or your local department of social services or department of health.


HealthyNY, in partnership with HMOs and other insurance companies in New York State, offers comprehensive health insurance to small businesses. DFS oversees the program.

SERFF Public Access to Accident & Health Insurance Form Filings

DFS makes certain accident & health insurance policy form filings and Plan Management binder filings available for public viewing online via the NAIC SERFF State Filing Access website. Filings disposed of on and after February 27, 2018 are available there. The public may also obtain access to filings by submitting a Freedom of Information Law (FOIL) request to the Department. (Filings may be updated or changed by a subsequent filing. You should search for the most recent version of the filing.) The Department is not responsible for any errors in or omissions from the filings. Filings may contain or incorporate material that is protected by copyright laws, and no person may reproduce, redistribute, or make commercial use of any such material in violation of those laws.