What New York Residents Need to Know About Obamacare for 2020
UPDATE: Due to the coronavirus (COVID-19) outbreak, NY State of Health is OPEN until at least May 15 for new health insurance signups.
This website provides information about getting health insurance under the Affordable Care Act (ACA), including:
- whether you must get health insurance
- what the available plans cover
- how much coverage will cost
- how to sign up for a plan
- how to get help if you need it.
To begin, keep in mind these key points about health insurance in New York:
1. Open enrollment has ended for 2020 health care plans, but you can still get health insurance if you qualify for a special enrollment period.
[UPDATE: Due to the coronavirus (COVID-19) outbreak, NY State of Health is open until at least May 15 for new health insurance signups.]
In New York, the ACA open enrollment period ended on January 31, 2020. This means that, unless you qualify for an exception, you won't be able obtain health insurance through NY State of Health until the 2021 open enrollment period begins in the fall of 2020.
To learn whether you qualify for an exception that will let you get covered, see What Happens If I Missed the New York Obamacare Enrollment Deadline?
2. You won’t face a tax penalty for going without health insurance in 2020—but there are big downsides to being uninsured.
Obamacare’s tax penalty went away in 2019. That means that if you didn’t have health insurance coverage in 2019, you won’t have to pay a penalty when you file your taxes in this year.