5 Ways We're Making Health Insurance More Affordable for New Yorkers
Navigating health insurance can be overwhelming, but there’s good news for New Yorkers: new programs are making health plans more affordable and accessible than ever.

Here's what you need to know about the benefits available through NY State of Health:
1.Help with Insurance Premiums
For the first time, many New Yorkers can receive financial assistance to help cover health insurance premiums. With the Advanced Premium Tax Credit, individuals earning up to $45,960 and families of four earning up to $94,200 can get significant savings on their monthly health insurance costs.
2. Support for Out-of-Pocket Costs
It’s not just premiums that can be costly—expenses like co-pays (your portion of a medical bill) and deductibles (the amount you pay before insurance covers the rest) add up. With Cost Sharing Reductions, many people with lower incomes can get help covering these extra costs. If your income qualifies, NY State of Health can reduce these expenses, but keep in mind this assistance is tied to specific health plans.
3. Larger Pools, Lower Costs
Insurance premiums depend on the size of the group, or “pool,” covered under a plan. The larger the pool, the lower the cost for everyone. NY State of Health includes a massive pool of participants, which helps keep premiums affordable for all members.
4. Fair Coverage for All
Whether you’re in perfect health or managing a chronic condition, everyone pays the same price for coverage. No one can be denied or charged more due to pre-existing health issues.
5. Comprehensive Benefits
Every plan offered through NY State of Health includes coverage for 10 essential health services, such as doctor visits, prescription medications, emergency care, and preventive services. No matter which plan you choose, you’ll have peace of mind knowing it covers the care you need.
Take Advantage of The Resources
If you’re shopping for health insurance, NY State of Health is designed to provide affordable options and comprehensive coverage. Explore your options and see how you can save while getting the care you and your family deserve.
For more information, visit NY State of Health and start exploring plans today.


