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Health Insurance Marketplace Information


Question not answered here? Contact Ask NYPL.

At the library you can:

  • Get assistance finding relevant, reliable information on insurance and health topics
  • Use technology (computers, Internet, printing) to find information and complete applications on your own
  • Find enrolling agencies in your community who can help you sign up for a plan
  • Attend workshops and sign up for one-on-one assistance when available

What is the Affordable Care Act?

In March 2010, the Patient Protection and Affordable Care Act was signed into law. The aim is to improve access to affordable health insurance for everyone and stop insurance companies from abusive practice like denying or canceling coverage for certain reasons.

  • For Americans who already have and like their health insurance coverage, the law provides benefits but doesn't require any change. The law also strengthens benefits for the nearly 50 million Americans who rely on Medicare.
  • For uninsured Americans or those who don't get insurance coverage through their employer, the law helps by lowering health care costs and allowing people to comparison shop for a plan that best meets their needs.
  • See answers to questions on popular topics at

What is the Health Insurance Marketplace?

The marketplace, sometimes called a health care exchange, is a website that allows you to fill out an application and see the insurance coverage options available to you from private insurance companies and compare side-by-side. The same application can determine whether you are eligible for free or low-cost coverage such as Medicaid. Marketplaces are run by the state or federal government to ensure the plans offered by private companies meet the requirements of the law. 

Shop the Health Insurance Marketplace

New York State residents:

Outside NYS: /

NYC Health Insurance Link - an initiative of the Office of Citywide Health Insurance Access Human Resources Administration/Department of Social Services

AccessNYC - General benefit information with anonymous screening.

Find a Navigator

In-Person Assistors (IPAs)/Navigators can provide in-person enrollment assistance to individuals, families, small businesses and their employees. Find a broker/navigator.

Organize Your Paperwork

⬜ Social Security numbers (or document numbers for legal immigrants)
⬜ Birth dates of family members
⬜ Pay stubs, W-2 forms, or "Wage and Tax Statements"
⬜ Policy numbers for any current health insurance
⬜ Information about any health insurance the family could qualify for from an employer

Calculate Tax Rebates

Tax rebates are available to individuals and households with an income between 100% and 400% of the poverty level (in 2013 this was $23,550 –$94,200 for a family of four). They may be used to directly subsidize premiums or taken as a tax rebate when filing tax forms at the end of the year. To get an estimate of how much subsidy you might qualify for, there is a calculator at (Calculadora de subsidios en español) and on the New York State site.

Find Health Information Online

The custom search engine at allows you to search the full text of over 300 consumer health websites for information tailored to the wellness needs of New Yorkers. Low-quality, commercial, unreliable web results are filtered out. Use the tabs to narrow the scope of your initial keyword search.