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Theresa Cangemi, CSA, CLTC

Medicare Specialist and
Independent Agent
Owner of  
"Medicare Made Simple, LLC™"

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New York Health Benefit Exchange – Insurance plans for all

On August 20, 2013, an announcement was made that the NY Health Benefit Exchange, the state’s health insurance exchange under the federal health-care reform law, is now called “NY State of Health.”   Website:

What is the NY State of Health?  It is an insurance marketplace for New Yorkers to purchase affordable and comprehensive insurance coverage for themselves, their family, or for their small business employees.

The health-care reform law known as Patient Protection and Affordable Care Act of 2010 requires individuals to have health insurance coverage effective January 1st, 2014, or pay a penalty.

The Exchange Open Enrollment period becomes available to purchase insurance starting October 1st, 2013.

Exchange plans can be purchased online, by phone (call center), or through an agent/broker.  Once online a person can shop, compare, and enroll in a health plan.

Licensed, local, certified agents and brokers can be found on: starting October 1st.

Federally subsidized premium tax credits will be available for New Yorkers who purchase coverage for themselves, based on income level, to help further reduce their costs.  Individuals can determine if they qualify for the tax credits through the application process.

Employers with up to 50 employees can also obtain health coverage for their employees through the Small Business Health Options Program (S.H.O.P).  Employers have an October 1st deadline to provide all employees with a written notice about the upcoming health insurance marketplace.  Call me for details.


As of October 1st, 2013, I will be certified to educate, consult, and enroll individuals and small businesses into the “NY State of Health” insurance plans. Please call me to schedule an appointment to discuss your options, enrollment, and premium tax credits.

I can be reached at 315-676-4933 or email:






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