What if I’m already paying for individual insurance (through, say,the Freelancers Union)?
Again, you should probably check out the Health Marketplace before you renew your current policy. While New Yorkers have long been able to purchase individual insurance regardless of age or health status, many of the plans are expensive. With this new wave of options hitting the market, you might find something more affordable — whether or not you qualify for a government subsidy (more about that below).
How much would my subsidy be?
First of all, with Medicaid eligibility expansion in New York State, if you make below about $15,000, you will now be eligible for Medicaid. (The current cutoff is about $11,500.) So that’s a total free ride on health care, and New York State Medicaid is very good. As an individual, if you make between that and up to $46,000, you’re eligible for subsidies. (Again, the figures are higher if you’re looking for a family policy.) To find out just how much you’ll pay, based on your income, check out this handy-dandy subsidy calculator.