New York Library Association. - The eBulletin

Health Insurance Options for LibrariesLogo - NY State of Health

Looking for a Good, Low Cost Health Plan?

Open enrollment is underway now for New Yorkers looking for an affordable health plan in 2016.  NY State of Health is the state’s official health plan marketplace where New Yorkers can shop for, compare and enroll in coverage.  The Marketplace is one-stop-shopping for many types of health plans, and is the only place where eligible New Yorkers can get financial assistance to help reduce the cost of coverage.  The 2016 open enrollment period is now through January 31, 2016.

Over 2.1 million New Yorkers have already enrolled in health insurance coverage through NY State of Health.  Most have qualified for financial assistance to help with the monthly cost of premium. 

What is the Small Business Marketplace?

In 2016, libraries with 100 or fewer eligible employees can offer employees health insurance coverage through the NY State of Health Small Business Marketplace. Employers can select from a variety of health and dental plans while setting contribution levels that make sense for their business. Tax credits may be available for eligible businesses with 25 or fewer employees. If you offer more than one plan, the Small Business Marketplace will compile all of the costs for you into one monthly bill, making administration simple.

What is the Individual Marketplace?

If you are a smaller library that does not offer coverage, the NY State of Health Individual Marketplace may be where your employees find a plan that fits their budget.  The Individual Marketplace is where individuals and families can shop for low-cost, quality health plans. Many plan choices from brand-name companies are offered. Nearly three-quarters of people who have enrolled in the Individual Marketplace receive financial help paying for health insurance.

Starting in 2016, NY State of Health will introduce a new option called The Essential Plan.  Qualified New Yorkers will pay $20 per person per month for coverage – less than a dollar a day – or nothing depending on their income.  There is no annual deductible, preventive care is free and other services have only a small copayment.  Qualified New Yorkers can also enroll in Medicaid and Child Health Plus through NY State of Health. 

The Marketplace is Here to Help!

The marketplace has over 11,000 certified assistors available to answer questions and help you enroll in person.  In-person assistors can tell you if you are eligible for financial assistance to reduce the cost of coverage. Find an assistor here.  Help is also available online and by phone and in many languages. For more information, visit nystateofhealth.ny.gov or call the Customer Service Center at 1-855-355-5777.