New!  Changes to Healthy NY as a result of Federal Healthcare Reform

Updates to this website coming soon.

The new Federal Healthcare Reform Law is making important changes to health insurance.  These important changes include:

• Access to dependent coverage for adult children under the age of 26
• No pre-existing condition exclusions for children under age 19
• No cost-sharing for preventive services (no co-payments, coinsurance or deductibles)
• Annual limits on essential covered services cannot be less than $750,000 per year

Coverage that was in effect on March 23, 2010 might be considered to be "grandfathered" so long as certain changes to that coverage have not been made.  However, many of the new Federal reform rules will impact both newly issued coverage and grandfathered coverage.

Important Changes to Prescription Drug Coverage Under Healthy NY

If you are enrolled as an individual and have grandfathered status (meaning that you were covered on March 23, 2010), you can keep your limited prescription drug coverage ($3,000 annual limit). 

Others will see their annual prescription drug limit removed or significantly increased (minimum $750,000 per year) as they are enrolled or their coverage is renewed.

You may change your benefit selection at the time of annual recertification or whenever you experience a premium rate change.  Please note that a change in benefit package selection may result in loss of grandfathered status.

More information on Federal Healthcare Reform changes

Please visit these useful resources:

• New York State's informational website: www.HealthCareReform.ny.gov
• Federal informational website: www.HealthCare.gov