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2026 NYSHIP Rates Now Available!
 Health insurance rates and plan information for 2026 is now available on the New York State Health Insurance Program (NYSHIP) website. This is your opportunity to review your current coverage and details for the upcoming plan year. NYSHIP offers you the choice of The Empire Plan or a NYSHIP-approved health maintenance organization (HMO) serving the area where you live or work. Retirees who live outside of New York State must select The Empire Plan.
Your Guide to NYSHIP in 2026
If you are considering changing your health insurance or wish to review your options, the Option Transfer Guide for Retirees is available on the NYSHIP website.
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Health Insurance Choices for 2026: Take a deeper dive into the individual NYSHIP plans; compare benefits and costs to figure out which one best meets your needs.
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NYSHIP’s Plan Comparison Tool: Compare the benefits of the plans offered in your service area. The Plan Comparison Tool will be updated with 2026 benefit information beginning December 1.
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Reminders
- No action is required if you wish to keep your current plan and still qualify for it.
- You may change your health insurance plan only once in a 12-month period unless you add a newly eligible dependent to your coverage or move (under certain conditions). A change in the providers who participate in your plan is not a situation that allows you to change your NYSHIP option more than once in a 12-month period.
- You must notify the Employee Benefits Division if your address changes or if changes in your family or marital status affect your coverage.
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