NY State of Health help in all five boroughs
Affordable Health Insurance in New York City, New York
From the Bronx to Staten Island, New York City runs on people who work for themselves: drivers, delivery riders, line cooks, freelancers and owners of the corner shop. Estagacy Insurance Group is licensed in New York and helps residents of the Bronx, Brooklyn, Manhattan, Queens and Staten Island compare health plans at no cost.
New Yorkers do not use HealthCare.gov. The state runs its own marketplace, NY State of Health. We guide you through it by phone or video from our office in Orlando, Florida. You may qualify for financial help based on your income.
Before your appointment, have a recent pay statement or app earnings summary, a list of prescriptions, and the names of doctors you want to keep. We compare deductibles, copays and yearly out-of-pocket limits side by side, and we check whether the hospitals you trust, whether in your borough or across the river, are included. There is no pressure to decide on the spot.
How we help New York City residents
The right marketplace from the start
Because New York uses NY State of Health, federal guides do not always apply. We start in the correct place and complete the application with you, screen by screen.
Appointments between shifts
We are not in the city, so you never have to cross boroughs for a meeting. Call or video chat before a delivery shift, after the dinner rush, or during a break between clients.
Networks that match your borough
A plan that works well in Queens may not include the doctors you see in Manhattan. We check your doctors and nearby hospitals before comparing prices.
Help with changing income
App-based and freelance income rises and falls. We help you estimate yearly earnings and update your application when things change.
Who we help
Rideshare and delivery workers
Drivers and couriers working through apps usually have no employer plan and may qualify for financial help based on your income.
Restaurant workers
Cooks, servers, dishwashers and bartenders with part-time or tip-based pay can find their own coverage.
Freelancers and creatives
Designers, writers, performers and consultants paid by project can hold one plan across every gig.
Small business owners
Owners of bodegas, salons, repair shops and startups can cover themselves and their families.
Key enrollment dates
New York City residents enroll through NY State of Health, and New York's deadlines can differ from other states:
- 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.
Lost coverage, moved to the city, or had a baby? Tell us what happened and we will confirm your deadline right away.
New York City health insurance FAQ
See all New York health insurance help. Learn more on our coverage benefits page or read the full health insurance FAQ.
Get free help in New York City today
Start the eligibility check above, call us, or book a phone or video appointment from anywhere in the five boroughs.