Open enrollment for New York's health insurance marketplace ends on January 15th. If you don't have health insurance through your job or another source, this is your last chance to sign up for 2025 coverage (unless you qualify for year-round enrollment—more on that below).
Why this year is different
You may have heard that health insurance costs more this year. Here's what happened: Congress passed a smaller budget and did not continue the subsidies that helped people afford health care. This means many New Yorkers will pay more for coverage in 2025.
What to do
Before you panic about the January 15th deadline, know this: some people can sign up ANY time of year. You might qualify for year-round enrollment if you:
- Qualify for Medicaid, Child Health Plus, or the Essential Plan (based on your income)
- Have a Special Enrollment situation like: losing other health coverage, having a baby, getting married, or moving to New York
Not sure if you qualify? It's worth checking because you might have more time than you think.
You can also contact Congress and the President to let them know affordable health insurance matters to you.
Three things that make enrollment easier
Whether it’s this year or next, whether you've enrolled or not, these steps help everything go faster:
- Check your renewal status now: Don't wait for a notification. Log in and see if you need to renew.
- Update your income to get accurate help: Your subsidy is based on current income, so updating it means you pay the right amount.
- Get organized first: Spending 10 minutes gathering documents now saves you from scrambling later.
What you need to have ready
Before you start, collect:
- Birth dates for everyone in your family
- Social Security numbers
- Income information (pay stubs, tax returns, or benefit statements)
- Information about any current health insurance
Ready to enroll?
Learn more with our guide that walks you through exactly how to sign up or renew, including three different ways to apply and where to get free help from a trained enrollment assistor.