Peak Advisors, Inc. is a full service health insurance brokerage. We specialize in helping you find the health insurance plan that is right for you and your family. For 2017 Individual Health Insurance Enrollment Information read below.
There are 2 ways we can enroll you onto individual health insurance: NY State of Health (NYSOH also called ON EXCHANGE) or directly with the carriers (called OFF EXCHANGE).
2017 NY State of Health Open Enrollment Direct Open Enrollment Runs from 11/1/16 - 01/31/17. Special enrollment period runs throughout the rest of the year for qualifying events.
Your decision on which will depend on your Household Income and the number of people in your household applying for coverage.
In the chart below, if your HOUSEHOLD income (include all members or your tax household regardless of if they are applying for coverage or not) is below the limit shown based on the number in your household applying for coverage, then it is better for you to apply via NYSOH. Instructions to enroll via NYSOH and have us as your broker can be found here: https://www.peakinsuranceadvisors.com/ny-state-of-health-choose-us-as-your-broker/
# of Household Members Applying for Coverage Maximum Household Income for Subsidy
If you make too much to qualify for a subsidy, it is a MUCH easier and quicker process to enroll directly with the carriers OFF EXCHANGE. The same plans are available both ON and OFF EXCHANGE, but you will not be able to receive a subsidy if you enroll OFF EXCHANGE.
FOR SPECIAL ENROLLMENT PERIOD INFORMATION: CLICK HERE!