What Happens After You Have Renewed Your Coverage

After you have chosen a health plan and completed the renewal process, you will receive a notice from NY State of Health.  This notice will have information about your health insurance and financial assistance you may receive.  In some cases, if you failed to pick a plan, a plan was chosen for you. 

Your Health Insurance Card and Coverage Information:

Your health plan will send you a health insurance benefit card.  They will also send information about your covered services and available providers. If your coverage has a monthly premium, your health plan will tell you that cost. 

If you have a dental plan through the Marketplace, you will get a separate notice with this information. 

Using Your Coverage:

NY State of Health offers resources to help you use your health insurance, including helpful information about how it works, how to find a doctor, and the meaning of insurance terms.

Additionally, information is available for all health programs available through the Marketplace:

Paying for Coverage:

Some plans require you to pay every month for coverage. This bill is called the monthly premium. 

If your coverage has a monthly premium, you must pay the first month’s premium in order for your coverage to begin.

If you fail to pay your premium, you could lose your health insurance.

  • If you have Medicaid or the Essential Plan, you do not have a premium.
  • If you have Child Health Plus, you may have a premium.  The premium cost depends on your household income and family size. 
  • If you have a Qualified Health Plan, you may get federal tax credits that lower your premium.

In addition to the premium, there may be other costs for care and services.  Our Premium & Out-of-Pocket Cost Estimator tool can help you estimate the costs.

Switching Your Health Plan:

If you have Medicaid, you have 90 days from your enrollment date to switch to a different health plan for any reason. 

If you have Child Health Plus or the Essential Plan, you may switch your plan any time.

If you have a Qualified Health Plan, you may change your plan during the Open Enrollment Period or a Special Enrollment Period. A Special Enrollment Period only applies if you have certain life events, like losing health insurance (for reasons other than you did not pay your premium), moving, getting married, or birth or adoption of a child.  Learn more about qualifying life events that make you eligible for a Special Enrollment Period.

Reporting Changes:

Over the next year, you must tell NY State of Health about changes that could affect your eligibility for health insurance.  You must tell us within 30 days about any of the following:

  • Your income changes (only if you are receiving financial assistance)
  • You are able to enroll in the New York State Health Insurance Program (NYSHIP)
  • Your eligibility for health insurance from a job changes
  • The cost of your health insurance premium from a job changes
  • You become qualified for other health insurance
  • You move
  • There is a change in immigration status
  • Your household changes. For example, you marry/divorce, become pregnant, have a child, adopt a child or have a child is placed for adoption with you
  • There is a change in full-time student status 
  • You change how you will file your taxes. For example, you will claim new dependents (only if you are receiving financial assistance).

You can report changes online or by calling 1-855-355-5777 (TTY: 1-800-662-1220).

Manage Your Account Online:

A NY State of Health online account helps you manage your health insurance.  You can keep track of notices, update information and report changes. 

Login to your online account or create an account as a first time user.


Did you enroll in Medicaid through your Local Department of Social Services (LDSS)
or the New York City Human Resources Administration (HRA)? Click here.