New York Health Insurance Policies & Programs
The New York State of Health Marketplace
The New York State of Health Marketplace can help you shop for and enroll in health insurance. You can use the Exchange to compare insurance options and prices offered through the Exchange, calculate costs and enroll in coverage online, in person, over the phone or by mail. You may also qualify to receive federal tax credits to help pay for insurance offered through the Exchange. You can purchase insurance through the Health Benefit Exchange now for coverage starting January 1, 2014. You can also buy coverage directly from an insurance company, but tax credits will not be available.
If you own a small business in New York, your business might be eligible for Healthy New York.
"Age 29" Dependent Coverage Extension
Chapter 240 of the Laws of 2009 extended the availability of health insurance coverage to young adults through the age of 29. This law is sometimes referred to as the “Age 29” law, because it permits young adults to continue or obtain coverage under a parent’s policy through the age of 29. The law provides two distinct ways in which coverage may be extended. Learn more about the Age 29 law here.
COBRA Premium Assistance and the NYS Continuation Assistance
Continuation coverage gives workers who work for employers with fewer than 20 employees and their families the right to continue to purchase group health insurance for limited periods of time when they would otherwise lose coverage due to certain events. Qualifying events include voluntary or involuntary job loss, reduction in hours, transition between jobs, death, divorce and other life events. Qualified individuals may be required to pay up to 102% of the premium cost. People eligible for continuation coverage may have up to 36 months of coverage.
New York State’s continuation coverage law resembles the federal COBRA. It applies to employers with fewer than 20 employees. See COBRA and Premium Assistance for more information on COBRA in New York.
Child Health Plus
Every child in New York who is under age 19 who does not have health insurance is eligible for the Child Health Plus program. Child Health Plus offers comprehensive health coverage, including physician visits, hospital stays, outpatient care and prescription drugs. No copayments apply. Coverage may be free for certain income eligible families and others will pay a minimal premium for coverage. Some families may have to pay a full premium. Visit the Department of Health for more information on Child Health Plus or call 1-800-698-4543 or your local department of social services or department of health.