Private Insurance/Qualified Health Plans - OCHIA

Human Resources Administration-Office of Citywide Health Insurance Access


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Medicaid

Child Health Plus

Essential Plan

Private Insurance/Qualified Health Plans

Family Planning Benefit Program

Family Planning Extension Program

Medicare

COBRA

Small Business


Private Insurance/Qualified Health Plans

What is Private Health Insurance?

Private health insurance is managed by private insurance companies, rather than New York State. You can buy private insurance, called a Qualified Health Plan, on the NY State of Health Marketplace. You can get help to apply from someone in your community. Financial help is available on the NY State of Health. You can also buy insurance directly from an insurance company, but you won't be eligible for financial help if you do.

Who is eligible?

Anyone can purchase private health insurance. You can get financial help, depending on your income.

Most people under age 65 apply through the NY State of Health Marketplace. Learn more about the NY State of Health.

Learn more about options for people 65 and over.

New Yorkers who are undocumented can purchase private insurance directly from a health insurance company. Learn more about options for immigrants.

Financial Help

You could get financial help to pay for insurance, if you buy through the NY State of Health Marketplace. There are two types of financial help.

Premium Tax Credits/Advanced Premium Tax Credits (APTC) lower the cost of your monthly bill (your "premium").
Download "What are Premium Tax Credits?"

Cost-Sharing Reductions (CSR) lower your costs when you get health services, like a doctor visit.
Download "Cost-Sharing Reductions Available in NY State of Health".

Learn more about the Cost of a Plan with Financial Assistance.

How to apply

You can apply for private health insurance and financial help through the NY State of Health Marketplace. You can also apply directly with an insurance company.

Helpful Links

Learn more about the NY State of Health

Learn more about free, in-person help to apply.

Get tips on How to Pick a Plan

NY State of Health Marketplace

Healthcare.gov Plan Finder to find private health plans available outside of the Health Insurance Marketplace.