Open Enrollment Period (OEP)
November 1, 2015 - January 31, 2016
Coverage Can Start
January 1, 2016
Individuals may qualify for Special Enrollment Periods (SEP) outside of Open Enrollment Periods (OEP) if they experience a Qualifying Life Event.
Empire BlueCross BlueShield
MVP Health Care
Affinity Health Plan
HealthFirst New York
HealthNow New York
If you don’t experience a Qualifying Life Event but still need insurance, Short-Term Health Insurance is an option until Open Enrollment.
Ambulatory Patient Care
Mental Health Services
Rehabilitative & Habilitative Services
Preventative & Wellness Care
Maternity & Newborn Care
Coverage plans are comprised of 5 categories. Percentages are based on the total costs of an average persons' care. The actual percentage you pay will depend on the services administered during the year.
|Metal Plan||Carrier Pays||You Pay|
Catastrophic: Plans pay less than 60% of the total average cost of care on average. They’re available only to people who are under 30 yrs. old or experience a hardship.
|Health Maintenance Organization(HMO)||Preferred Provider Organization(PPO)|
|Exclusive Provider Organization(EPO)||Point of Service(POS)|
Deductible: The portion you pay out-of-pocket before the insurer begins to pay for services.
Out-of-pocket limit: The most you’ll have to pay during the policy period.
Copayment or Copay: Fixed payment you pay for a covered service.
Coinsurance: Your share of the costs of a covered service.
Premium: The amount you will pay for your insurance policy (Monthly or Annually).
Where you live may affect your coverage options. Our reference guide will assist you in finding plans available in your state.
From "absolute liability" to "written premiums," we've done the work for you to define commonly used insurance terms.