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Medicare & NYS Exchange Marketplace

With ongoing changes to the health care arena, its nice to know that your local bank can lend some assistance. You may have questions and concerns regarding your health care options for yourself and your family, let us connect you with one of our specialists to assist you in evaluating your alternatives.


  • Medicare - Healthcare options for individuals 65 years or older.
  • Initial Enrollment - Initial enrollment begins 3 months prior to your 65th birthday.
  • Open Enrollment -  Plan changes can be made annually during the open period.

NYS Exchange Marketplace:

  • NYS Individual Exchange Marketplace - Healthcare options for individuals and families who are not covered under another plan (employer, spouse).
  • Special Enrollment - Available if you have experienced a qualifying life event.
  • Open Enrollment - Plan changes can be made annually during the open period.


65th Birthday

Contact CNB Insurance Agency six months before your 65th birthday to review your healthcare options.

Expert Advice

Expert Advice

CNB Insurance Professionals are here provide timely education and advice to care for your total financial health through every stage of life.


We Do the Shopping

Most people renew with the same policy every year, because it is easier.  Let us SHOP for you this year.

Health Plan  

Utilize Our Resources

You pay the same amount of money if you utilize our resources or buy coverage direct by yourself.


Discover the CNB difference.

As the only local, full-service, community-owned financial institution in the Greater Rochester Area, CNB is investing in you, your business, and your community. At CNB Insurance Agency, we offer comprehensive solutions to help you protect what’s most important to you. Our expertise includes life insurance, wealth transfer, long-term care insurance, fixed annuity, disability insurance, estate planning services, and more.

CNB Insurance Agency is a wholly owned subsidiary of Canandaigua National Bank & Trust. Investments and insurance products offered through CNB Insurance Agency are not FDIC insured, not bank deposits, not obligations of, or guaranteed by Canandaigua National Bank & Trust or any of its affiliates. Insurance Companies offering products through CNB Insurance Agency are independent of and not affiliated with Canandaigua National Bank & Trust, any of its affiliates, or CNB Insurance Agency. Canandaigua National Bank & Trust will not condition an extension of credit on either the consumer’s purchase of an insurance product or annuity from Canandaigua National Bank & Trust or any of its affiliates, or the consumer’s agreement not to obtain, or a prohibition from obtaining, an insurance product or annuity from an unaffiliated entity.