Worried about the cost of insurance? New Yorkers have a more affordable option.

This year, the cost of getting insured may be weighing on you more than usual. If you’ve skipped getting insured in the past because it’s just too expensive, or if you’ve experienced a drop in income that has you worried about how you’ll continue to make your premium payments, you may qualify for a new kind of plan in New York.

Essential plans are a great option for those freelancers who fall into the income gap between qualifying for Medicaid and being able to afford private insurance. They’re available to individuals with incomes between $17,000-$25,520, and they cover all of your basic health needs, from primary care and preventative visits to trips to the emergency room and mental health treatment.

Depending on your income, you could pay as little as $0 per month, with the option to pay a little more to add extras like vision and dental coverage. If you’re able, choosing one of the enhanced plans with vision and dental is the greatest value by far, and it’s what we recommend to ensure your health is totally protected.

There’s no deductible, and out-of-pocket costs are capped at a manageable level, from $200-$2,000 for the year.

Both of our New York insurance partners,

Read Complete Article