5 Things to Know about New York’s Health Care Marketplace

New York’s health care marketplace, called NY State of Health, is now accepting new applications for insurance coverage. If you enroll before December 15, 2019, you could have health insurance coverage starting January 1, 2020.

What is the NY Health Care Marketplace?

NY State of Health, the Official Health Plan Marketplace, helps individuals to easily shop for insurance, compare plans and enroll in health care coverage. If you live in the State of New York, it is the only resource available where you can receive Federal financial assistance that can help to lower the cost of your health insurance.

Who is Eligible for Coverage?

Many New Yorkers quality for the health care marketplace, but before you apply, check to see if you meet these basic conditions:

• New York residents
• United States citizens, nationals or lawfully present immigrants
• Those not currently incarcerated
• Individuals who are not applying for coverage of nursing home care or care provided in a residential treatment facility for children and youth, development center or intermediate care facility for the developmentally disabled

What these Health Insurance Plans Cover

New York’s health care marketplace provides access to insurance plans that will cover many different types of medical services, including:

• Doctor’s visits
• Hospital stays
• Emergency care
• Maternity and newborn care
• Mental health
• Substance abuse disorder services
• Prescription medications

NY State of Health’s insurance plans provide insurance benefits for essential medical services, pre-existing conditions and preventive services.

There are four different tiers available:

• Bronze (60 percent coverage)
• Silver (70 percent coverage)
• Gold (80 percent coverage)
• Platinum (90 percent coverage)

You have the option to choose the one that is right for your specific health care needs and your budget.

Affordable Coverage Available to New Yorkers

The cost of your health insurance coverage depends on your income and how many individuals you plan to include on your policy. In New York’s health care marketplace, insurance plans start as low as $0. Individuals who qualify can also receive tax credits to offset health care costs.

For 2020, there is no cost increase for most types of health insurance plans, including Medicaid, Child Health Plus and the Essential Plan.

How to Apply

New York’s health care marketplace is open now through January 31. You can sign up to enroll on the NY State of Health website. Or, you can call 1-855-355-5777 to learn more about your insurance options. Enrollment stays open year round for several plans specifically made for low-income New Yorkers.

Advantage Care Health Centers provide a wide range of preventive health services to adults and children. To learn more about how we can help you, please request an appointment to see one of our trusted physicians today.