Health Insurance Counseling

Healthcare Insurance is now affordable for everyone.

The NY State of Health was created to ensure all New Yorkers can obtain this benefit.

Here are 5 ways that make it easier to pay for health insurance:

1

Help with insurance bills 
For the first time ever, many New Yorkers will have help paying for a health plan. Through an Advanced Premium Tax Credit, health insurance premiums will be more affordable to a wider range of people; from an individual earning $45,960 to a family of four making $94,200.

2

Support for the “extras”
It’s not just the monthly insurance bill that's a burden. It’s the extras, like “co-pays” (the part of the medical bill that’s charged to you not your insurance company) and “deductibles” (the amount you must pay before your insurance kicks in). Through Cost Sharing Reductions, the out of pocket costs are reduced and if your income falls below a certain point; NY State of Health will help you pay for these “extra costs”.  Cost Sharing Reductions are limited to certain health plans.

3

Everyone in the pool
Insurance rates are based on the number of people in a group, or “pool.”  The larger the pool, the lower the monthly cost of health insurance for everyone. The pool in NY State of Health is going to be very large.

4

Healthy or sick, the cost is the same
No one will be denied coverage or charged more just because they are already sick.

5

Big bang for the buck
Every health plan offered at NY State of Health, no matter what it costs, must cover 10 key health services. These include care at a doctor’s office, prescription drugs, emergency services, prevention and wellness services.  So, if you buy a health plan at this new marketplace, you can be sure you‘ll get a lot of bang for your buck.

For more information please contact:

Teri McKenzie, 718.596.9800 ext 272

Cynthia Piard, 718.596.9800 ext 220

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