A new WalletHub study reveals that New York ranks 33rd among all U.S. states for healthcare quality, cost, and accessibility in 2025—dragged down by high insurance premiums despite strong insurance coverage rates for children and good access to doctors.
WalletHub’s annual “Best & Worst States for Health Care” report analyzed 44 key metrics to assess where Americans are getting the best value in health care.
Where New York stands in key categories
- Overall ranking: 33rd
- 46th: Average monthly insurance premium
- 3rd: Physicians per capita
- 8th: Percent of insured adults
- 3rd: Percent of insured children
- 23rd: Hospital beds per capita
- 22nd: Dentists per capita
- 18th: At-risk adults without routine doctor visit in past 2 years
- 31st: Adults with no dental visit in past year
- 27th: Medical residents retained after graduation
While New York performs well in provider access and insurance rates—especially for children—the state is weighed down by some of the highest health insurance premiums in the country.
High costs, strong access: a mixed picture for New York
WalletHub analyst Chip Lupo noted that good healthcare must be both high-quality and affordable.
“The best health care in the nation isn’t helpful if it bankrupts the people who try to get it,” Lupo said. “New York has top access but some of the steepest premiums.”
The state ranks near the bottom (46th) for average monthly insurance premiums, undermining otherwise strong metrics like physician access (3rd) and insurance coverage for children (3rd).
Expert tips on balancing cost and coverage
Experts say consumers should evaluate their actual healthcare needs before selecting a plan.
“High-deductible plans can work well for people who are generally healthy,” said Dr. Michael Stowe, Chair of Healthcare Programs at the University of St. Francis. “But those with chronic conditions may benefit more from comprehensive coverage.”
Other strategies include:
- Comparing in-network vs. out-of-network provider costs
- Using Health Savings Accounts (HSAs) for tax benefits
- Prioritizing preventive care and wellness programs
- Reviewing medical bills for potential errors
- Choosing urgent care over ER when appropriate
Challenges ahead for healthcare systems
The report also highlights structural challenges facing healthcare in 2025:
- Medicaid cuts and subsidy rollbacks may reduce access for vulnerable populations
- Workforce shortages post-pandemic are stressing the system
- An aging population is driving up demand
- Pressure is growing to shift from high-cost chronic care to preventive, outcome-based models
Stowe emphasized that future solutions should focus on community-based care, access for underserved populations, and better resource distribution across healthcare systems.
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