For those seeking individual insurance or family health insurance coverage, or sole proprietors seeking coverage, the question most often asked is, “Do I have to purchase my coverage from the New York State of Health?” The answer is No.

However, if you feel that you would be eligible for a tax credit based on your family size and income, then going to the NYS of Health is the right path for you. It is the only place to get tax credits to help pay for your health insurance premiums.

The NYS of Health is also the only place to apply for state assisted health insurance programs such as Medicaid, Child Health Plus and the Essential Plans.

If you give us a call, we will refer you to Navigators from the NYS of Health who work in your county and will “navigate” the NYS of Health for you. Or call the NYS of Health directly at 855-355-5777.

Those who don’t qualify for tax credits can purchase plans at full price. As brokers, we will help you choose a plan that is best for you or you and your spouse, both in benefits and affordability. We specialize in helping individuals/couples who are retiring and need coverage to last until they make it to Medicare age (age 65). We take the time to listen to your needs, concerns and will answer your questions.

We will take the mystery out of insurance company jargon such as deductibles, co-pays, co-insurances, and out of pocket maximums.