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. Even though open enrollment for 2015 has ended, you still may be able to enroll.
Individuals and families who did not sign up during the 2015 open enrollment period, and do not meet the criteria for the special enrollment periods will not be able to purchase health insurance coverage during the remainder of 2015. (You may be subject to a federal tax penalty when filing your 2015 federal income taxes.)
- Individuals and families who are eligible for Medicaid or Child Health Plus, or if you are an American Indian or Alaska Native, can enroll year round.
- There is a one-time Special Enrollment Period (SEP) from March 1, 2015 through April 30, 2015 for individuals and families who paid a federal penalty when filing their 2014 federal tax return and had not been aware nor understood that they would have to pay a penalty for not having insurance coverage for themselves and their families.
- You can also be eligible for a special enrollment period if you experience a qualifying life event such as relocating to New York State, marriage, birth or adoption of a child, certain changes in your income or losing your health insurance. Learn more about Special Enrollment Periods.
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 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 older and 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.
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.