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Health Insurance Marketplace

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Enrollment period for 2019 is Thursday, November 1, 2018, to Saturday, December 15, 2018.To qualify for subsidies and avoid end of year tax penalties, you must be enrolled by January 31st. *If you are eligible for Medicaid or Child Health Plus, if you are an American Indian or Alaska Native, or if you experience a qualifying life event you can enroll at any time. 

 

The Health Insurance Marketplace is the part of the Affordable Care Act (ACA), sometimes called Obamacare, where consumers can compare health insurance plans side-by-side, choose a plan and purchase affordable health insurance that best suits their needs. Individuals buying insurance via the marketplace can receive subsidies or tax breaks.

New York State has its own Health Insurance Marketplace, New York State of Health.

 **New York State residents do NOT need to visit the federal site Healthcare.Gov to enroll.**

 

Telephone Hotlines

New York State of Health Toll-Free Hotline

Voice: 1-855-355-5777,  TTY: 1-800-662-1220

Hours:  Monday - Friday from 8 a.m.-8 p.m and Saturday from 9 a.m.-1 p.m. Trained representatives are ready to answer questions and provide information to consumers and small businesses.

Erie County Hotlines print-friendly list 

Appointments are free, confidential, and may be completed over the phone or in person. Help is available in many languages including Spanish & Arabic 

Kaleida Health - 716-859-8979 English & translation services

Neighborhood Legal Services - Alden Ewell Free Library 585-343-5450  English & translation services

Neighborhood Legal Services- ACCESS of WNY- 716-847-0650 English/Arabic

Public Policy and Education Fund - Citzen Action of New York 800-803-8508  English/Spanish

 

New York State Marketplace

  NY State Marketplace

The official New York State site to shop, compare and enroll in a low-cost quality plan that’s right for you. (Individual, Family, Small Business) 
It is the only place you can receive financial assistance based on your income.

Essential Plan En Español
Low and moderate-income New Yorkers can enroll in a comprehensive and affordable health insurance product, known as the Essential Plan

Picking a Health Plan That's Right for You Video  En Español

Renew Your Health Plan Video

 

Community and Local Links

Blue Cross and Blue Shield of Western New York (HealthNow New York)
Call 855-344-3425  toll free, for TTY call 877-834-6918
Monday - Friday: 8:00 a.m. - 8:00 p.m. Saturdays & Sundays: Closed

Fidelis Care
Call 1-888-FIDELIS (1-888-343-3547), for TTY call 1-800-421-1220

Independent Health
Call 716-631-3001 

Univera Healthcare (Excellus)
Call 1-800-494-2215, for TTY call 1-800-421-1220

Other Helpful Information

Obamacare Yootoons    A 7 minute video overview of the health insurance marketplace from the Kaiser Family Foundation

Frequently Asked Questions & Answers
This list from the Kaiser Family Foundation provides easy access to the answers you need.

Health Insurance Glossary
Find easy-to-understand explanations for words often used when describing health insurance plans and options.

Tax Credit and Premium Estimator
Estimates the amount you would pay toward a health plan when you are eligible for tax credits. 

ACA and Federal Income Taxes - IRS
IRS page with links to information for individuals and businesses

Protect yourself from fraud
Get your information only from reliable sources. This site will help you make the best choices.

Using your new insurance coverage
You have successfully enrolled and have insurance. Learn more about what it all means and how to get the most out of your coverage.

 * If you are looking for general information concerning Healthcare Reform and the Affordable Care Act as a whole, please visit the Subject Guide for the Affordable Care Act