In 2010, the United States federal government passed the Affordable Care Act which required a health insurance marketplace to operate in every state starting in October 2013. States had the option to set up their marketplace or allow the federal government to set one up for them. New York set up its own marketplace called the NY State of Health. To access the marketplace, New York state residents and small businesses can visit the NYstateofhealth login page on the website.
Additionally, they can call the helpline at 1(855) 355-5777 to learn more about health insurance options and tax credits they may be eligible to receive.
About the NY State of Health
The NY State of Health (https://nystateofhealth.ny.gov) is an online marketplace that has information about public and private health insurance options and helps people shop for and enroll in health insurance coverage. From comparing insurance options to calculating costs and selecting coverage, individuals, families, and small businesses can use the NY State of Health website to shop for and enroll in health insurance coverage.
The health insurance offered through the NY State of Health is primarily for New York state residents who don't have insurance through their job or Medicare and are under the age of 65. While the NY State of Health is a website, New Yorkers have the option of completing their application in-person, over the phone, or by mail.
Individuals and Families
For individuals and their families, the NY State of Health marketplace has many quality health insurance options available at a low cost. To quickly compare health plan options and apply for assistance that can lower the cost of the health coverage you purchase through the marketplace, visit the NYstateofhealth login page on the website to set up an account. If you qualify for health care coverage from special programs, such as Medicaid or Child Health Plus, you can sign up through NY State Marketplace.
Benefits and Features
By using a single application, the NY State of Health website helps people quickly determine their eligibility for programs like Medicaid, Child Health Plus, and the Essential Plan. After visiting the NYstateofhealth login page on the website, eligible people can enroll in these programs if they qualify.
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In addition, the NY State of Health website also provides applicants with information on financial help programs that can reduce the cost of the health insurance purchased through the marketplace. The NY State of Health marketplace is the only place where New Yorkers can get financial assistance from the federal government to lower the cost of their health coverage.
Who Can Use the NY State of Health Marketplace?
To be eligible to use the NY State of Health marketplace, you must live in New York state and be a U.S. citizen, national, or lawfully present immigrant. However, different immigration rules may apply if you are eligible for Child Health Plus, New York State Medicaid, or the Essential Plan, based on your income. In addition, you cannot currently be incarcerated and cannot be applying for coverage of nursing home care or care provided in residential treatment facilities for children and youth, developmental centers, or intermediate care facilities for the developmentally disabled.
NYStateOfHealth Login and Registration Process
For individuals and families who want to determine their eligibility, visit the NYstateofhealth login page (https://nystateofhealth.ny.gov/individual) on the website. From there, you will need to create an account through the New York state government website (https://my.ny.gov/SelfRegV3/selfreg.xhtml). After entering an email address and some details about yourself (and your family if applicable), you will get an email invitation to get started on the NY State of Health marketplace website.
When you are ready to apply for health insurance coverage on the NY State of Health website, you will need to provide information about yourself (and each member of your family, if applicable). Some required information includes your social security number, date of birth, employer and income information for everyone in your family, policy numbers for any current health insurance, and information about any job-related insurance available to your family.
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― Jess C Scott
The NY State of Health marketplace keeps all the information you share on your application private as required by law. By providing complete and accurate information, the NY State of Health website will tell you what health care coverage you qualify for and if you are eligible to receive financial help to offset the cost.
The final part of the enrollment process is choosing a health plan. The NY State of Health marketplace will show you the health plans you qualify for, the benefits covered by each, the doctors and facilities that take part in the plan's network, and the cost of enrolling in the plan. You can pick plans for yourself and all of your eligible family members whether they qualify for Medicaid, Child Health Plus, the Essential Plan, or a Qualified Health Plan through NY State of Health marketplace.
When Can Individuals and Families Enroll?
Enrollment in health care programs via the NY State of Health marketplace is open year-round if you are eligible for Medicaid, Child Health Plus, or the Essential Plan. To enroll in a Qualified Health Plan, you must visit the website during the annual open enrollment period — or during a special enrollment period if you are eligible.
For small businesses in New York state, the NY State of Health Small Business Health Options Programs (https://nystateofhealth.ny.gov/employer) - also called SHOP - makes it easy for you to offer high-quality and affordable health insurance coverage to your employees while also receiving a tax credit. Besides comparing the different plans and premiums available, small businesses can also receive a small group eligibility determination when visiting the NYstateofhealth login page on the website.
Benefits and Features
Offering health insurance to employees is a benefit that will help make your small business more attractive to current and prospective employees. Often, if a prospective employee is weighing two offers of employment, the deciding factor is if the company offers health insurance. Providing health insurance to employees is one way to stay competitive in the marketplace.
Another benefit to small businesses and non-profits that offer Small Business Health Options Programs (SHOP) coverage to all full-time employees working at least 30 hours per week is that you receive a tax credit — that's money in your pocket! If your company has fewer than 25 full-time-equivalent (FTE) employees, pays average wages of less than a certain amount (https://www.irs.gov/affordable-care-act/employers/small-business-health-care-tax-credit-and-the-shop-marketplace) a year for the previous tax year per FTE employee, and pays at least 50% toward your employee's lowest cost single tier coverage, you can qualify for health care tax credits.
Which Small Businesses Can Use the NY State of Health Marketplace?
To be eligible to use the NY State of Health marketplace, a small business or non-profit organization must have a physical location in New York state and have between 1 and 100 full-time-equivalent employees.
NYStateOfHealth Login and Registration Process
Small businesses and non-profits that want to use the NY State of Health online marketplace will need to first create an employer account on the New York state government website (https://my.ny.gov/SelfRegV3/selfreg.xhtml). Federal guidelines require that the NY State of Health marketplace sets up user accounts and be able to prove the identity of everyone using the online enrollment portal. To prove your identity, open the email and verify your information to generate your NYstateofhealth login credentials.
After your account is set up, you will need to enter your small business's information. The NY State of Health has created a user-friendly application that allows you to easily enter contact and company information to determine eligibility. After you have selected SHOP-certified health plans, you can contact the health insurance carrier to enroll directly in coverage for your employees.
“Healthy citizens are the greatest asset any country can have.”
― Winston S. Churchill
Small businesses that use the NY State of Health website can also receive information and enrollment help from trained and certified brokers/navigators — so you can be sure that you are enrolling in the health care plan that provides the maximum benefits to your small business and employees.
When Can Small Businesses Sign Up?
Enrollment in NY State of Health marketplace insurance plans is available year-round for qualified small businesses. For coverage to be effective on the first of the next month, a qualified small business must enroll by the 15th of the month. For new health care coverage that starts on or after April 1, 2018, you will verify your SHOP eligibility with the NY State of Health marketplace and work directly with your insurance provider (or broker/navigator) to apply and enroll.
The NY State of Health marketplace is a valuable benefit for New York state residents, allowing individuals and families to enroll in health care coverage at subsidized rates (dependent on income and other factors). For small businesses, the NY State of Health marketplace gives them the ability to offer health insurance to full-time equivalent employees — a feature that helps them stand out from the competition.
Like many other states, New York state is diverse in its population and in the small businesses that operate in its lines. To meet the needs of many types of people and businesses, the NY State of Health has five regional advisory committees that make recommendations to the marketplace about relevant regional factors. The committees represent the following regions of the state: Western NY, Central NY/Finger Lakes, Capital District/Mid-Hudson/Northern NY, New York City/Metro, and Long Island.
Consumers, small businesses, health care providers, insurance agents and brokers, labor organizations, and other stakeholders all take part in the five committees across the state — giving every New Yorker a voice in how health care is managed in New York state.