Individual and Family

Everything You Need to Know About Open Enrollment in New York

Updated on February 03, 2020

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The New York open enrollment period for the 2020 coverage year runs from November 1st 2019 through February 7th 2020. During this period of time, you can enroll in health insurance coverage in the state.

Read on to learn more about New York open enrollment and how to enroll in health insurance in New York for 2020.

When can I enroll in health insurance in New York?

Unless you experience a qualifying life event, in order to enroll in health insurance you must enroll during the open enrollment period. New York’s open enrollment period has been extended, so that it runs from November 1st 2019 through February 7th 2020.

If you experience a qualifying life event, you may qualify to enroll during a special enrollment period. Special enrollment periods are usually 60-day periods where you can enroll in major medical health insurance.

Qualifying Life Events for Obamacare

Keep in mind that in order to qualify to enroll outside of the open enrollment period, you must be able to prove you’ve experienced a qualifying life event.

When does New York open enrollment end?

The last day you can purchase health insurance in New York is February 7th 2020 – plans purchased on January 31st will have an effective date of February 1st 2020. This extension of the open enrollment period makes it more than twice as long as the federal open enrollment period.

New York has extended open enrollment in the past and may continue to do so in the future. Because they are a state that uses a state-run health insurance marketplace instead of the federally run health insurance marketplace, New York legislators are free to extend open enrollment if they see fit.

Can I enroll in health insurance if I don’t experience a qualifying life event?

No. In order to enroll in major medical health insurance you must enroll during the annual open enrollment period in your state or during a special enrollment period.

If you do not enroll in health insurance during the open enrollment period or experience a qualifying life event in order to enroll during a special enrollment period, you may find yourself uninsured for the coverage year. This is why it’s important not to miss the open enrollment window!

Can I get short-term health insurance in New York?

No, you cannot get short-term health insurance in New York.

What are my coverage options if I miss the open enrollment period?

Unfortunately, you cannot enroll in major medical insurance if you miss the New York open enrollment period or if you do not qualify for a special enrollment period. However, you can get coverage through other government programs that do not have an open enrollment period.

Programs such as Medicaid and CHIP (Children’s Health Insurance Program) do not have an open enrollment period. If you qualify you can enroll any time throughout the year. You msut keep in mind that in order to qualify for Medicaid or CHIP you must meet an income requirement. Typically you need to make below 133% of the federal poverty line to qualify.

If you are pregnant, disabled, or otherwise medically needy but think you don’t meet the income requirement, you should apply for Medicaid anyway; you may get accepted.

How do I enroll in health insurance with eHealth?

Buying, comparing, and enrolling in health insurance during the New York open enrollment period is easy with eHealth! eHealth has plenty of online tools that can help you find the right insurance that meets both your coverage and budgetary needs.

Additionally, eHealth can help you find out if you qualify for a government subsidy to help you pay for your health insurance costs.

To start shopping with eHealth today, enter your zip code below!

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