January 31 is the last day to enroll in the New York State health insurance exchange, New York’s implementation of the Affordable Care Act, for 2017 coverage. There’s help available if you’re not sure what to do.
Individuals and small businesses can sign up for coverage today or tomorrow at the New York State of Health website. Even if the plans offered by the marketplace seem too expensive, many people will find they are eligible for discounts, tax credits, and subsidized premiums to make it all affordable. The “Essential Plan” is $20 per month, or free if you qualify.
If you’re completely lost, you can get help figuring out your healthcare choices. One local company, Moscato & Associates, Inc., is one of the small businesses offering help at no cost to individuals. (They are paid by the state program.)
“The Marketplace offers eligible subscribers access to Advance Premium Tax Credits that can be used to lower monthly premiums, if your income for your household size is less than 400% of the Federal Poverty Level,” says the Moscato website. “If your income is low enough, the Marketplace is designed to help you enroll in Medicaid, and to assist parents in enrolling their children in Child Health Plus if they qualify.”