What New York Residents Need to Know About Obama Care (the Affordable Care Act or ACA)


What New York Residents Need to Know About Obamacare

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Obamacare > What You Need to Know About Obamacare > New York

What New York Residents Need to Know About Obamacare

On this website, you'll find clear and accurate information about getting health insurance under the Affordable Care Act (ACA), including:

  • whether or not you must get health insurance
  • what the available plans cover
  • how much coverage will cost
  • how to sign up for a plan, and
  • how to get help if you need it.

To begin, keep in mind these key points about health insurance in New York:

1. Obamacare, officially known as the Affordable Care Act, has not been repealed.

The Affordable Care Act is still U.S. law. On May 4, 2017, House Republicans passed a bill to repeal and replace the ACA, called the American Health Care Act. That bill will become law only if the Senate also approves it. Unless and until that happens, the Affordable Care Act is the law of the land.

2. You are legally required to have health insurance unless you qualify for an exemption.

The Affordable Care Act requires you to enroll in a health insurance plan unless you qualify for an exemption from the law. You must report whether you have coverage -- or whether you are exempt -- when you file your taxes in April.

To learn whether your current health plan satisfies the requirements of the Affordable Care Act or to find out whether you qualify for an exemption, see Do I Need to Get Obamacare in New York?

3. Open enrollment has ended for 2017, but you can still get health insurance if you qualify for a special enrollment period.

For 2017, open enrollment ended on January 31. This means that, unless you qualify for an exception, you can't obtain health insurance through NY State of Health until the 2018 open enrollment period begins in the fall of 2017.

To find out more, including ways you might still get covered, see What Happens If I Missed the New York Obamacare Enrollment Deadline for 2017?

4. You can shop for affordable health care plans at NY State of Health.

Residents of New York use the website NY State of Health to choose their health insurance plan, apply for cost-saving subsidies, and get other help they need.

If you are currently uninsured, you can use the state marketplace to compare plans and enroll in a plan that meets your needs. 

If you already have health insurance, you may be able to keep your current plan -- or you can use NY State of Health to shop for a new one.

To learn more about enrollment, see How Do I Sign Up for Obamacare in New York?

5. You may qualify for subsidies that will save you money.

Many people who sign up for insurance at the New York exchange will be eligible for cost savings. Savings are available in the form of tax credits to help you lower your premiums or reduce your out-of-pocket costs for care.

If your income is very low, you may qualify for free or low-cost coverage through Medicaid in New York.

For more information, see Ways to Save Money on Obamacare in New York.

For an overview of how much health care plans cost under Obamacare, see How Much Does Obamacare Cost in New York?

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