Health Insurance in NY

[truelove29 218]

Anyone get private health insurance in NY & what do you pay? We're currently researching our options for my husband (he's the Immigrant, just moved here a week ago). I can't add him to my plan since it's Medicaid. One quote we got was for a bronze Oscar plan for $470/month...that's way too high for us right now. We're hoping he'll find a job soon that offers health insurance, so he just needs something basic for a few months. I freelance, so I don't get anything through an employer. I qualified for Medicaid because I only worked a little last year since I was mostly living in my husbands country. Any tips would be appreciated!

[Bzlibem 111]

healthcare.gov

[Umka36 781]

Isn’t NY one of those few States that let anyone get Medicaid, with California being the other?

[Kiolas 103]

@truelove29Your husband may be eligible for similar to Medicaid insurance. The name of insurance plan would be different, but it would be affordable - based on your household income - he either would have to pay $0 or a small amount. You can apply via the web-site:

https://nystateofhealth.ny.gov/ 

[truelove29 218]

5 minutes ago, Kiolas said:

@truelove29Your husband may be eligible for similar to Medicaid insurance. The name of insurance plan would be different, but it would be affordable - based on your household income - he either would have to pay $0 or a small amount. You can apply via the web-site:

https://nystateofhealth.ny.gov/ 

Thank you, I'll look into this!

[truelove29 218]

5 hours ago, Kiolas said:

@truelove29Your husband may be eligible for similar to Medicaid insurance. The name of insurance plan would be different, but it would be affordable - based on your household income - he either would have to pay $0 or a small amount. You can apply via the web-site:

https://nystateofhealth.ny.gov/ 

Just wondering...what would he put as household income? My parents are co sponsors for him. Does he have to count their income? Currently he's making $0 since he just got here. Does he count my income & my parents? Or does he put $0? Thanks for your help!

[Kiolas 103]

@truelove29When you posted your initial question, you only spoke about your income and your insurance, you did not mention that your parents are your husband's sponsors. 

The fact that your parents, not you, are his sponsors complicates the situation. 

Call 855-355-5777 Mon-Fri, 8am-8pm, Sat 9am-1pm (the phone number from the web-site https://nystateofhealth.ny.gov/ ) and ask them.

Most likely, sponsors' income has to be counted as well. 

[truelove29 218]

2 hours ago, Kiolas said:

@truelove29When you posted your initial question, you only spoke about your income and your insurance, you did not mention that your parents are your husband's sponsors. 

The fact that your parents, not you, are his sponsors complicates the situation. 

Call 855-355-5777 Mon-Fri, 8am-8pm, Sat 9am-1pm (the phone number from the web-site https://nystateofhealth.ny.gov/ ) and ask them.

Most likely, sponsors' income has to be counted as well. 

Ok thank you!

[Sarah&Facundo 599]

I have Oscar. The original quote was $550 or something like that but if you go through the healthcare.gov website they will give you a quote that takes your salary into consideration. I am paying a fraction of that now for the two of us. Or give them a call directly--they are SUPER easy to deal with. Just don't call the healthcare.gov hotline unless you want to wait around for a whole day on hold