For 2024 health plans, New York open enrollment begins on November 16, 2023 (that's later than every other state) and runs through January 31, 2024. If you enroll by December 15, your coverage will begin on January 1, 2024.
Once open enrollment has ended, you may still be able to purchase health insurance for this year if you qualify for a special enrollment period. For example, if you’ve recently lost your job or significant income, you might qualify for a 60-day special enrollment period that will allow you to sign up for a new health insurance plan. (See What Happens If I Missed the Enrollment Deadline for 2022?)
To get covered, you can go directly to the online health insurance marketplace for New York. If you need personalized help, you can reach out to an enrollment assistant. Most enrollment helpers are working remotely during the COVID crisis.
Where's the New York Health Care Exchange?
You can find the health insurance exchange for New York at NY State of Health. This is where you can learn about the various health insurance options available to you under Obamacare. If you see a plan you like, you'll be guided through the enrollment process online.
Get Personalized Help with Enrollment
In New York, if you need help understanding your options for coverage under Obamacare or signing up for a plan, you can get free help from an enrollment assistant or from a licensed health insurance agent or broker.
The Affordable Care Act (Obamacare) expanded Medicaid eligibility to include more people who couldn’t otherwise obtain health insurance. As written, the ACA would extend Medicaid to all adults with incomes at or below 138% of the federal poverty level. (For a single person in New York in 2023, that’s $20,120. For a family of four, it’s $41,400.)
However, the U.S. Supreme Court later ruled that it was up to individual states to decide whether to expand Medicaid. As of December 2023, only 10 states have not expanded their programs.
New York Has Expanded Medicaid
Because New York did decide to expand its Medicaid program, residents can qualify for Medicaid more easily today than in years past.
Get Help Finding a Health Insurance Plan in New York
Get Help From New York's Health Insurance Exchange
The following links and telephone numbers take you to the official help resources for NY State of Health, the health insurance marketplace for New York.
Get help by phone: 855-355-5777 (TTY: 800-662-1220)
Get help in person: To find a certified navigator (also called an "In-Person Assister" in New York), use the IPA/Navigator Directory at NY State of Health.
To directly connect with a New York insurance broker who can help you evaluate insurance plans and choose a plan that's appropriate for your situation, call 800-943-6832. (We receive advertising income from the licensed brokers who offer their services through this telephone number.)
