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Health Insurance Marketplace
What is New York State of Health?
New York State of Health is a Health Plan Marketplace established in April of 2012. It is funded by the federal government. Individuals and families can use it to buy health insurance. It lets you shop and compare many health plans. It is the only place to get help lowering the cost of health coverage. When you apply for individual and family coverage through the Health Insurance Marketplace, you’ll provide income and household information. You’ll find out if you qualify for:
- Premium tax credits and other savings that make insurance more affordable
- Coverage through the Medicaid and Children’s Health Insurance Program (CHIP) in your state
The NY State of Health Marketplace also provides a valuable resource for small businesses in New York looking to offer health insurance to their employees. Through the Small Business Marketplace, also known as SHOP, employers can compare and select from a variety of health insurance plans from certified insurers. This platform is the only place where small businesses may be eligible for the Small Business Health Care Tax Credit, which can significantly lower the cost of providing health coverage. Additionally, the Marketplace offers tools like the "Quick Quote" feature, which allows employers to view plans and rates available in their area, making the process of choosing insurance more transparent and manageable. For personalized assistance, small business owners can also connect with certified brokers and navigators who are trained to help navigate the options and enroll in a plan that best suits their business needs.
How can I apply?
You can apply online at www.nystateofhealth.ny.gov, by phone, in person or by mail. If you prefer to apply in person, do not hesitate to contact us. We will help you understand your coverage options and select a plan that fits your needs and budget. With our expertise, we can simplify the complex terms and conditions of various plans, ensuring that you make informed decisions. Additionally, we can assist with the annual renewal process and any necessary updates to your coverage. Our services are designed to assist you in verifying whether your current healthcare providers and facilities are part of a health plan's provider network. Since provider networks may change, it's possible that your existing doctors may not be covered under a new plan. To ensure accuracy and prevent any inconvenience, we provide verification to confirm that your doctors, specialists, and healthcare facilities are included in the network of the plan you choose.
what kind of information do i need to give when i apply?
When applying for health insurance through the marketplace, you'll need to provide various pieces of information to complete your application. This includes personal details such as your full name, address, date of birth, and information about any dependents. Accurate income information is crucial as it determines your eligibility for subsidies or premium tax credits. Additionally, you may need to provide details about your employment, current health insurance status, and any available coverage options. For members of federally recognized Indian tribes, specific documentation like a tribal identification card may be required. It's important to have all this information ready to ensure a smooth application process.
If you have any questions or need assistance right away, do not hesitate to contact us. We are committed to navigating you through the intricacies of health insurance enrollment, providing a clearer and more approachable experience.