Schenectady, New York: health insurance
Schenectady is in Schenectady County. Here is what Schenectady residents should know about coverage.
Medicaid is a government program that gives free or low-cost health coverage to people with limited income, such as some adults, children, pregnant women, seniors and people with disabilities. Each state runs its own Medicaid program and decides who qualifies. We are an independent insurance agency, and we cannot enroll you in Medicaid or check your Medicaid.
New York Medicaid: New York State Department of Health · 1-800-541-2831 (Medicaid Helpline) · health.ny.gov/health_care/medicaid
If your income is too high for Medicaid, or you want to compare health plans, call us. We can help with that.
Coverage in Schenectady
Schenectady has about 68,544 residents (U.S. Census Bureau 2023 estimate).
Plans for Schenectady residents are determined by Schenectady County, home to about 159,902 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers Schenectady County before you choose it.
- Turning 65 in Schenectady? Your Initial Enrollment Period runs seven months around your birthday. HIICAP (Health Insurance Information, Counseling and Assistance Program) offers free counseling at 1-800-701-0501.
- Buying your own plan? Shop through NY State of Health.
- Medicaid questions? New York State Department of Health handles applications.
New York note: New York's insurance regulator, the Department of Financial Services, oversees both insurance companies and banks under one agency -- a broader mandate than most states' insurance-only regulators, which is why DFS's consumer complaint process covers insurance alongside other financial products.
Medicare plans leaving Schenectady County for 2027
Medicare plans are set by county, so this applies to residents of this city. 19 plans are listed in Schenectady County for 2026 but not for 2027, covering at least 2,850 people.
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| MVP Medicare Complete Wellness with Part D (PPO) H9615-024 | MVP Health Care | 1,065 |
| Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) H5599-013 | Wellcare / Ambetter (Centene) | 822 |
| HumanaChoice SNP-DE H5970-020 (PPO D-SNP) H5970-020 | Humana | 275 |
| Aetna Medicare Signature (HMO) H3312-062 | Aetna (CVS Health) | 142 |
| HumanaChoice Giveback H5970-030 (PPO) H5970-030 | Humana | 117 |
| Humana Gold Plus SNP-DE H3533-002 (HMO D-SNP) H3533-002 | Humana | 116 |
See all 19 plans leaving Schenectady County →
Looking for your own plan? Find your company and plan →
A plan can be listed because it was renumbered or replaced, not only because a company is leaving the county. When the same company keeps other plans there, members are usually moved to a replacement plan. Your plan should send you a notice, and Medicare’s Annual Enrollment Period (October 15 to December 7) is when you can compare and switch. “People enrolled” is the number enrolled in that plan today (CMS hides counts of 10 or fewer). Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Colleges and universities near Schenectady
New York public institutions include State University of New York (SUNY), City University of New York (CUNY), University at Buffalo. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about New York colleges.
Do Schenectady and Schenectady County have the same plans?
Plans are offered by service area, and Schenectady falls under Schenectady County. A plan that serves Schenectady County is generally the one that applies to you.
Do I have to enroll if I call?
No. A call is a conversation about your options.
Schenectady residents: call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
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Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.