State marketplace help for New Yorkers
Affordable Health Insurance in New York
New York has its own health insurance marketplace and its own rules, so general advice found online does not always apply. Estagacy Insurance Group is licensed in New York and helps residents make sense of their options for free.
Freelancers in the five boroughs, upstate farm families, restaurant staff and small business owners may qualify for financial help based on your income. We walk you through what is available.
Licensed in New York, serving you statewide
Our agents work from Orlando, Florida, and serve New York statewide by phone and video. Appointments fit around subway commutes, double shifts and busy family schedules.
Cities we serve in New York
Who we help in New York
Freelancers and creatives
Writers, designers, performers and gig workers can enroll on their own and may qualify for financial help based on your income.
Restaurant and service staff
Tips and changing hours make income tricky. We help you estimate the year so your help stays accurate.
Upstate and rural families
We check which nearby doctors and hospitals are in each plan's network before you decide.
Households with lower income
We also check whether you or your children may qualify for Medicaid or CHIP when income is limited.
How enrollment works in New York
New York does not use HealthCare.gov. Residents enroll through NY State of Health, the state marketplace, which reviews your household and income to determine the programs and financial help you may qualify for.
New York deadlines can differ from other states, and we will confirm yours. We guide you through the application, compare plan networks and prescriptions, and help with any follow-up documents.
Key dates
- New York runs its own marketplace, NY State of Health, with its own deadlines. Check your state's Open Enrollment dates or call (407) 974-5101 and we will confirm them.
- Outside the enrollment window you generally need a qualifying life event, such as moving, losing coverage, marriage or a baby.
- Medicaid and CHIP can be applied for any time.
Getting the most from your plan in New York
Because New York runs its own marketplace, the account, letters and program rules you encounter will come from NY State of Health. We help you understand what each notice means, which programs you may qualify for, and how to respond on time so your coverage is not delayed.
Networks in New York City can look very different from those upstate or on Long Island. We confirm that your doctors, specialists and preferred hospital are included, compare coverage for your prescriptions and explain what you will pay for visits and medications. If your income or household changes, we help you update your account quickly.
New York health insurance FAQ
See all states we serve, our coverage benefits page, or the full health insurance FAQ.
Talk with a licensed New York agent
Manhattan to the Finger Lakes, a licensed agent is ready to help. Book a call today.