Although open enrollment in the State’s NY State of Health marketplace has started, coverage for plans purchased in the marketplace does not begin until January 1, 2014.
Individuals and small business owners who need coverage before the end of 2013 have options:
Public health insurance: For those who qualify, individuals can sign up for free or low-cost health insurance programs such as, Medicaid and Child Health Plus for children, Medicaid and Family Health Plus for Adults, Prenatal Care Services through Medicaid, or the Family Planning Benefit Program by visiting ACCESS NYC to see what programs are available.
Lower-cost private insurance: Healthy NY is a state-run program that offers lower-cost insurance to:
- Uninsured workers and sole-proprietors who have moderate-incomes, and
- Small businesses that have not recently offered health insurance and employ workers with moderate incomes.
At the end of 2013, Healthy NY will end for individuals and sole-proprietors, and the benefit package will change for small businesses. However, eligible individuals and small businesses can still enroll in Healthy NY until the end of the year. To learn more or apply for Healthy NY, click here.
Private health insurance: Individuals and small businesses can visit finder.healthcare.gov to search for coverage options before the end of the 2013.
Small businesses can also contact a broker for help finding health insurance.
Young adults under 30 should also be aware that they may be able to obtain coverage through their parent, if the parent has private health insurance.
- Federal law allows children up to age 26 to be covered by their parent’s plan even if they are
- Do not reside with the parent;
- Are not financially dependent on the parent;
- Are not in school; and/or are employed
- In NY, some young adults up to age 30 may be able to stay on their parent’s plan, although they may have to pay more for this coverage. Young adults eligible for this dependent coverage includes individuals who are:
- Live or work in New York State or within the service area of the insurer; and
- Are not otherwise insured by or eligible for coverage under their own employers’ health plans.
- Learn more about health insurance options for young adults here.