Health insurance enrollment for 2026 is now underway on New York’s Affordable Care Act marketplace , and state officials are encouraging residents to sign up with upbeat ads reassuring them that “quality health insurance” is available.

But just how affordable that insurance will be is still up in the air.

The federal government reopened last week after the longest shutdown in American history, without the main concession Democrats were seeking: A deal to extend the enhanced insurance subsidies that have helped keep health care costs down for millions of Americans in recent years.

About 140,000 New Yorkers enrolled in marketplace plans benefit from the enhanced subsidies and stand to pay an average of $1,368 more per year for coverage without them, according to the state health d

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