New York health insurance?

I have a friend who can’t afford healthcare through her work. She’s single and still lives at home. She makes too much to qualify for Medicaid which is crazy because she literally doesn’t make much. What are her options for assistance?

5 Answers

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  • Eva
    Lv 7
    1 month ago
    Favorite Answer

    She would have to go through the marketplace at www.nystateofhealth.ny.gov. She can receive a subsidy based on her income. Usually the silver plan offers the most coverage and subsidy. She can get a bronze plan, but the subsidy is less. If she's under 30 she can buy the catastrophic plan, but it covers very little. It is currently open enrollment, but there isn't much time left.

    • A Hunch
      Lv 7
      1 month agoReport

      There is no reason for her to go through the marketplace.  She is not eligible for a subsidy because she is eligible for workplace coverage.  If she wants to purchase private coverage, she is better off going through a broker. 

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  • Anonymous
    1 month ago

    Healthcare.gov.

    Impossible not to have heard about it by now.

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  • martin
    Lv 7
    1 month ago

    She's got to put in some time talking to people and learning about doctors, hospitals, free clinics, and anywhere else where people have been able to get some financial assistance, or find a doctor available to them at low rates. County hospitals, and special cooperative medical plans might help. But she'll have to be patient until she discovers the right source of care.

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  • 1 month ago

    Getting health insurance with assistance might cost her more than getting it without assistance. ("Assistance" just means that someone else, usually the government, pays something, but it often means the total price is also higher, so she might pay more or less.)

    Depending on the income of her household (not just her personally), she might or might not qualify for a subsidy from the government to help her buy insurance through the marketplace/exchange.

    She also might consider moving out, because this could improve her chances of qualifying for medicaid. And since her parents are letting her live with them now, maybe she could get them to help her pay for insurance.

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  • 1 month ago

    She makes too much for medicaid.

    Her options are to purchase private insurance or purchase her employer's plan.

    She is not eligible for a tax subsidy if the cost of her coverage through her employer is less than 9.5% of her income. 

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