Health insurance premiums for 140,000 New Yorkers are set to rise after enhanced premium tax credits expired on December 31, 2025. Governor Kathy Hochul criticized Congressional Republicans for not extending these credits, saying their inaction will make coverage unaffordable for many working families.
“As we enter the New Year, thousands of hardworking New Yorkers face skyrocketing healthcare costs at the hands of Washington Republicans,” Governor Hochul said. “Their inaction is a disgraceful representation of failed leadership and now their constituents will quite literally pay the price. New York’s Republican members of Congress must do the right thing and extend these credits, thousands of New York families rely on them.”
The average increase in monthly health care costs for subsidized couples varies by region. For example, residents in New York City will see an average increase of $211 per month (38%), while those in Western New York will experience a $267 monthly hike (38%). The Mohawk Valley faces one of the highest percentage increases at 49%, with a $270 average monthly rise. Statewide, the average monthly cost increase is $228, representing a 38% jump.
Governor Hochul noted that although she remains committed to keeping health care accessible, state resources cannot compensate for federal funding cuts enacted under H.R.1. These reductions threaten coverage for nearly 450,000 people enrolled in the Essential Plan expansion population as early as July 2026 and could also impact Medicaid recipients due to new requirements.
In response to federal cuts that halved Essential Plan funding under H.R.1, Governor Hochul directed New York State of Health to ask the Centers for Medicare & Medicaid Services to revert back to a Basic Health Program model to preserve coverage for about 1.3 million lower-income residents.
The New York State Department of Health continues to offer support through call centers and enrollment assistors. Those with questions about coverage or premium changes can call 1-855-355-5777 or visit nystateofhealth.ny.gov.
Further details on cost impacts by congressional district are available at info.nystateofhealth.ny.gov/stay-connected.