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New York is a progressive state that embraced health care reform decades ahead of most of the rest of the country. The Affordable Care Act has smoothed out some rough edges in the New York insurance market, and since implementing Obamacare, the state has continued upon these improvements. In January 2017, prior to the inauguration of Donald Trump, New York Governor, Andrew Cuomo, announced that repealing the ACA would cause 2.7 million New Yorkers to lose their health insurance coverage. Although Republican leaders spent 2017 attempting to repeal the ACA, most of their efforts fell short. All of the ACA repeal bills that were considered in 2017 failed to win enough support to pass, although the GOP tax bill, enacted in December 2017, did repeal the individual mandate penalty, starting in 2019 (there is still a penalty for being uninsured in 2018, which will be assessed on tax returns in early 2019, but there will not be a federal penalty for being uninsured starting in 2019). A few states have implemented their own individual mandates for 2019 and beyond, although New York is not one of them. But Governor Cuomo took action in early 2017 to protect New York residents’ access to birth control and abortion coverage, regardless of the future of the ACA. The Governor also worked to ensure continued robust insurer participation in the individual market, and ongoing access to essential health benefits. Lawmakers once again considered a single-payer system during the 2018 legislative session — it passed the Assembly, but fell short in the Senate, just as it did in 2017. Compare plans and rates in your ZIP code 2019 exchange carriers New York has a very robust individual health insurance market, with 12 carriers offering plans in the exchange, and two that offer plans only outside the exchange. All of them will continue to offer coverage for 2019, with average rate increases (before subsidies are applied) of 8.6 percent. (Details about approved average rate changes for each plan are available here). The following insurers offer individual-market plans in New York’s exchange: Capital District Physicians Health Plan Empire BlueCross and Empire Blue Cross Blue Shield enrollment through January 31, 2019. Louise Norris Health insurance & health reform authority December 16, 2018 Health insurance in New York New York’s operates its own health exchange NY State of Health. New York has long been a leader in health reform. Twelve insurers are offering 2019 coverage through the state exchange. Open enrollment for 2019 was extended through January 31, 2019. After that, residents would need a qualifying event to enroll in an ACA-compliant plan. On average 2019 premiums have increased 8.6% About 253,000 New York residents enrolled in 2018 QHPs through the state exchange. Another 739,000 New Yorkers enrolled in the Essential Plan. New York adopted Medicaid expansion in 2013. Medicaid enrollment has grown by 14% since 2013. The state’s Health Republic CO-OP closed in 2015. The state’s uninsured rate has dropped 47% since 2013. New York does not allow the sale of short-term plans. 3.5 million New Yorkers are enrolled in Medicare. New York overview: Taking advantage of all the ACA has to offer New York has fully embraced the Affordable Care Act (ACA). The state expanded Medicaid, established its own health insurance exchange, and even created a Basic Health Program (BHP) for people who earn more than the Medicaid eligibility threshold, but not more than 200 percent of the poverty level. BHPs are allowed under the ACA, but only New York and Minnesota opted to create them. New York’s health insurance marketplace The health of New York’s state-based exchange, NY State of Health remains strong heading into 2019. The exchange has robust insurer participation, and premiums are still lower for 2019 than they were in 2013. (That’s not the case in most states, but New York had guaranteed-issue coverage long before the ACA, but without a mandate requiring people to buy coverage and without premium subsidies for middle-class enrollees. As a result, coverage was expensive in New York pre-2014.) Enrollment in NY State of Health – including QHPs (private plans), the Essential Plan, Medicaid, and Child Health Plus – reached more than 4.3 million by the end of January 2018 (when open enrollment ended for QHPs). That was an increase of 700,000 over the prior year’s total enrollment. In most of the United States, individual health insurance was medically underwritten prior to 2014, meaning that people with pre-existing conditions were often unable to purchase private coverage. But in New York, former Gov. Mario Cuomo signed a law in 1992 that required all policies in the state to be guaranteed issue, regardless of medical history. They also switched to a community rating system, with the same premiums charged for everyone, regardless of age. Although the 1992 law was heralded by consumer advocates as a vic