Health Insurance in New York

Finding the right health insurance in New York doesn't have to be confusing. Whether you're self-employed, running a business, driving routes, working travel-nurse contracts or covering your family, I'll help you understand your options and choose coverage that fits: private plans available year-round, or ACA coverage through NY State of Health that may qualify for subsidies.

How to buy health insurance in New York

New York runs its own state-based marketplace, NY State of Health. That's where ACA plans and income-based premium tax credits are available, and open enrollment deadlines can differ from the federal HealthCare.gov schedule. I can help you enroll in a Marketplace plan at no extra cost, or show you private PPO-style alternatives that may fit better if you're healthy and don't qualify for much of a subsidy.

Who I help in New York

• Self-Employed & 1099: Coverage built for independent workers without an employer plan.
• Business Owners: Options for you and your team that help you keep great people.
• Truck Drivers: Portable coverage that travels with you across state lines.
• Travel Nurses: Flexible plans that keep up with contracts and moves.
• Med Spa & Small Practice Owners: Private coverage for owners and small teams.
• Families & Individuals: Protect everyone under your roof without overpaying.

Serving all of New York

I work with clients across New York, from New York City, Buffalo, Rochester and Albany to rural counties, by phone, text and video. No office visit needed. Coverage options and networks vary by county, so we start with your ZIP code.

Open enrollment & year-round options

ACA open enrollment happens once a year, starting in the fall, and NY State of Health sets its own deadline. Missed it? A qualifying life event (moving, losing coverage, marriage, a new baby) opens a Special Enrollment Period, and many private and supplemental plans are available year-round. Here's how Special Enrollment Periods work.

Honest note: some private options are limited-benefit or excepted-benefit plans that are not ACA-qualified major medical and don't count as minimum essential coverage. I'll always tell you exactly which is which before you decide.