This document contains a list of commonly used health insurance terms and their definitions to help consumers better understand how health insurance coverage works. Additional terms are available through the Glossary page.
These terms and definitions are available in additional languages via this page.
"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. You won't pay extra for coverage if you use a broker for help applying and enrolling in a plan. Click here to find a broker who is suited specifically to your business or family's needs.
These summaries show the benefits or health services that are covered by 2014 "standard" health plans offered in NY State of Health. Standard plans must have 10 Essential Health Benefits required by NY State of Health.
Summaries also show the amount you may pay (deductibles, copays) for those services.
Your best protection against fraud is being informed! Starting October 1, 2013, you can apply for health insurance through NY State of Health, The Official Health Plan Marketplace, on nystateofhealth.ny.gov. This document describes ways you can protect yourself from fraud.