NY State of Health Insurance

Do you need health insurance? The Health Department offers FREE help.

In-Person Assistors (IPAs)/Navigators provide in-person assistance to individuals, families, small businesses and their employees who would like help applying for health insurance through the New York State of Health Marketplace.

IPAs/Navigators provide culturally competent, linguistically appropriate, and disability accessible enrollment services.  They are available in community-based locations at convenient times, including evenings and weekends, at no cost to enrollees.

The Westchester County Department of Health has 7 IPAs/Navigators available in 24 locations throughout Westchester County and the Bronx.

To schedule an appointment to meet with a Navigator or for more information about Program services, contact the Navigator Program at or call (914) 995-6350, between 9 a.m. to 5 p.m., Monday through Friday.

What Health Insurance Plan am I eligible for? 

There are several health insurance options available.  An IPA/Navigator can assist you with enrolling in the plan that best meets your needs. Enrollment in Medicaid, ChildHealth Plus, the Essential Plan and the Small Business Marketplace is available all year round.  Enrollment in a Qualified Health Plan (QHP) must occur during the Open Enrollment period, unless there is a Qualifying Life Event. Examples of Qualifying Life Events may include, but are not limited to: marriage or domestic partnership, birth, adoption, loss of essential coverage, change in income or job and more. Open Enrollment typically runs from November - January each year.

Based on age, income, and other factors you may qualify for one of the following health insurance plans:

The Essential Plan

  • Find out if you qualify for this low-cost/no-cost health plan
  • Choose your health plan
  • Apply all year  round

Medicaid and Child Health Plus (CHP)

  • Choose your health plan
  • Apply all year round

 Qualified Health Plans (QHP)

If you own/operate a small business, IPAs/Navigators can help you:

  • Choose low-cost, quality health  plans
  • Find out if you qualify for a tax credit
  • Apply any time for coverage for your employees

Other Options

If you are over 65 years of age or under 65 and have a disability, you may not qualify for health coverage through the NY State of Health Marketplace and may qualify for coverage through Medicare, Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) Disability.


Turning 65 is one way you can be eligible for Medicare. You can also be under 65 years old and still qualify for Medicare because you are receiving Social Security Disability Insurance, or SSDI. In most cases, you qualify for Medicare due to a disability if you have been receiving SSDI checks for more than 24 months.

For more information, please visit:


If you have a disability you have a number of options for health coverage. If you currently have Medicaid or Medicare, you are considered covered under the health care law and do not need a Marketplace plan. If you do not have health coverage, you can schedule an appointment with a Navigator to help you complete a Marketplace application to find out if you qualify for savings on a private health plan or for coverage through Medicaid.

For more information, please visit:

Additional Resources