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Health Insurance

The Patient Protection and Affordable Care Act (ACA) was signed into law on March 23, 2010. This law expands the Medicaid program and creates a marketplace where people can shop for low- or no-cost health insurance. Financial help is available for individuals and families even if they have income, own a house or a car, or have a bank account.

To see which programs you and your family qualify for, use the New York State of Health’s Tax Credit and Premium Estimator.

Apply for low-cost, quality health insurance through the New York State of Health Marketplace. The next open enrollment period is from November 15, 2014 through February 15, 2015.

If you already have health insurance through the New York State of Health Marketplace, you can use open enrollment to:

  • Change your current plan
  • Check if you qualify for financial help, if your income or the cost of your current plan has changed

If no changes are made, you will be automatically enrolled in the same plan. Watch the NY State of Health’s How to Renew Your Coverage video for more information.

Certified Application Counselors

The New York City Health Department’s Certified Application Counselors (CAC) can help you learn about and apply for health insurance and other services, such as the Supplemental Nutrition Assistance Program (SNAP, formerly called Food Stamps). Find a CAC for help

  • Enrolling in Medicaid, Child Health Plus or a private plan through the Marketplace
  • Understanding your insurance options and selecting a plan
  • Finding out what documents you need to apply
  • Filling out the online application
  • Applying for or renewing your health insurance

Get in-person assistance in your language. Free interpretation services are also available.

Find a Certified Application Counselor near you and learn what you need to apply for health insurance. Visit Where to Apply for Health Insurance or text CoveredNYC to 877877. For help in Spanish, text SeguroNYC to 877877.

Medicaid

Medicaid is a federal/state health insurance program for low income individuals, families and children. You may be eligible for Medicaid if you have high medical bills, if you meet the financial requirements or if you receive Supplemental Security Income (SSI).

Children and non-elderly adults (under age 65) can apply for coverage year-round through NY State of Health Marketplace. Apply online at New York State of Health or see a Certified Application Counselor to get in-person assistance in your language. Visit Where to Apply for Health Insurance or call 311 for more information.

People 65 years and olderand people who need Medicaid for a disability can apply for public health insurance year-round through NYC Human Resources Administration (HRA). Call the HRA Helpline at 888-692-6116 or visit a Medical Assistance Program Office.

Child Health Plus

Your child may be eligible for Child Health Plus or Children’s Medicaid, depending on your family income. Child Health Plus is a New York State sponsored health insurance program for children under the age of 19. There are no immigration requirements for Child Health Plus. Enrollment is available year-round through the NY State of Health Marketplace. Apply online at New York State of Health or see a Certified Application Counselor to get in-person assistance in your language. Visit Where to Apply for Health Insurance or call 311 for more information.

 New York City’s Early Intervention Program (EIP)

Do you have a child in New York City’s Early Intervention Program (EIP)? Your child may qualify for health insurance and other benefits even if you already have health coverage. For information about health benefits available to children in EIP, visit Early Intervention Health Insurance and Benefits.

More Information

Learn more about the open enrollment period (PDF)
Other languages: [En Español] [中文] [Français] [Русский] [Kreyòl ayisyen]

Call 311 or visit the New York State of Health: Official Health Plan Marketplace for more information about health insurance options.

Get the facts about health insurance and coverage options under the ACA.

Learn about How to Use Your Health Plan Coverage, how to connect to care and find services that meet your needs.