Through our online portal and your own personalized user account, you will be able to provide valuable services to individual consumers and families and small businesses and their employees seeking to obtain health insurance through NY State of Health. IPA/Navigators will provide education on the Affordable Care Act and the insurance products available through NY State of Health.
IPA/Navigators will provide in person application assistance to individuals, families and small businesses and their employees at initial enrollment and when renewing coverage. IPA/Navigators remove barriers to the application process by providing assistance in multiple languages, in community based settings during non-traditional hours such as evenings and weekends.
Interested in becoming a navigator, certified to provide assistance on the Health Plan Marketplace?
IPA/Navigators must be employed by an agency awarded a contract by New York State Department of Health. IPAs/Navigators must be trained and certified by NY State of Health. (See below for a list of organizations awarded IPA/Navigator contracts by New York State Health Department.)
Sign up for training
Click here to find awarded agencies.
Complete certification training
Completion of the IPA/Navigator training program and certification is required prior to providing IPA/Navigator services. Your organization should contact the Department of Health to find out when training is available in your area.
Upon verification by the Department of Health that you have been trained and certified, NY State of Health will create a unique identifier for you that will be used for submission of applications. NY State of Health will email you an invitation with a link and password.
NY State of Health makes it easy for you to help individual consumers, families and small businesses and their employees apply for affordable health coverage such as:
Qualified Health Plans (QHPs) - Licensed, commercial health plans that have been approved by The Marketplace to provide comprehensive coverage, follow limits on out-of-pocket expenses (such as deductibles, co-payments, and out-of-pocket maximums) and meet other requirements.
Advance Premium Tax Credits - Lowers the cost of monthly health insurance premiums.
Cost Sharing Reductions - Reduce out of pocket costs such as co-payments, deductibles and co-insurance.
Medicaid and Child Health Plus - Public insurance programs that make insurance more affordable to low-income individuals and families and low to middle income children.
Small Business Marketplace - Can compare basic information on plans, premiums, co-pays, deductibles, and coverage information for small businesses and their employees.
Frequently Asked Questions
Who can get coverage through the Marketplace?
To shop in the Marketplace, you:
- Must live in New York
- Must be a US citizen, national, or lawfully present immigrant (Different immigration rules may apply if you are eligible for Child Health Plus or NYS Medicaid based on your income)
- Cannot be currently incarcerated
Can I give someone else permission to get information about my application?
Anyone can call us to ask general questions, but we cannot discuss specific information about your application with anyone else, unless you give us permission to do so. You can give a trusted friend, relative, partner, or lawyer permission to talk with us about your application, and to act for you on matters related to your application. This person is called an authorized representative.
What do I need to apply for coverage through the Marketplace?
We ask about income and other information about you to tell you what coverage you qualify for and if you can get help paying for it. We keep all of the information you provide private, as required by law. For everyone applying for help paying for your health insurance through the Marketplace, you may need:
- Social Security numbers (or document numbers for legal immigrants who need health insurance)
- Birth dates
- Employer and income information for everyone in your family
- Policy numbers for any current health insurance
- Information about any job related health insurance available to your family
What if I speak or read in a language other than English?
New York is a diverse state with many people that may speak or read in a language other than English. Call the Marketplace at 1-855-355-5777 for more information or help applying for coverage in your language. All help is free.
Why do I need to provide a Social Security number (SSN)?
The Marketplace needs Social Security numbers for everyone who has one and is applying for health insurance. We use SSNs to check federal and state data sources to help speed up the application process. Providing your SSN can be helpful even if you do not want health coverage. If you don't have a SSN, call the Social Security Administration at 1-800-772-1213 or visit www.socialsecurity.gov to see if you can get a SSN and to apply for one.
Who should I include on my application?
Your income and family size help us decide what programs you qualify for. Include these people on your application for health coverage:
- Your spouse, if you're married
- Any children you are caring for who live with you
- Your partner who lives with you
- Ayone you include on your federal income tax return
You do not have to file taxes to apply for health insurance coverage for the Marketplace. Anyone else who lives with you will need to file their own application if they want insurance. Not everyone has to be living at the same address to apply on the same application.
News & Updates
There are people in your community who are trained to help you apply for health coverage, understand your coverage options, and help you to enroll in a plan that is best for you and your family. There are different ways to get help applying for health coverage through the Marketplace. You can get help with your application from:
- In Person Assistors/Navigators
- Certified Application Counselors
In Person Assistor/Navigator
In Person Assistors (IPA)/Navigators are certified and trained to educate and provide enrollment assistance to individuals and small businesses about the health insurance options available through the Marketplace. IPAs/Navigators can assist individuals and families, as well as small businesses and their employees. They speak over 40 different languages and are available weekdays, evenings, and even on weekends. IPA/Navigators are available in convenient community-based locations in every county and all help is free. Click here to find an IPA/Navigator in your community.
Certified Application Counselor
Certified Application Counselors (CACs) are also trained to provide enrollment assistance to individuals applying for coverage through the Marketplace. Certified application counselors may work for entities such as hospitals, clinics, providers or health plans. Call 1-855-355-5777 for more information about Certified Application Counselors. Click here to find a CAC in your community.
"Certified brokers" are licensed professionals that have been certified by the Marketplace to provide enrollment assistance to individuals and small businesses about the health insurance options available through Marketplace. Help applying for coverage and enrolling in a plan is free. Click here to find a broker who is suited specifically to your business or family's needs.
You may have a trusted friend, relative, partner, or lawyer help you and act for you on matters related to your application. This person is called an authorized representative. You need to give permission to the Marketplace to speak with your authorized representative. Click here for information on how to name someone as your authorized representative.