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Health Care Reform Infographic
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No. Being sick will not keep you from getting health care coverage. Under the new law, no one with a pre-existing medical condition can be turned down for health insurance or pay more in premiums. A pre-existing medical condition is a health issue someone had before the start date of their new health plan.

To help with the costs of a health plan, the government will offer two forms of financial assistance to people who qualify:

1) Tax credits lower your insurance premium (the monthly cost of your health plan). People living in New York with incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for tax credits. Check the FPL chart to see if your income is in this range.

2) Subsidies lower your out-of-pocket costs (copays, coinsurance and deductible). People living in New York with incomes between 100% and 250% of the Federal Poverty Level (FPL) may qualify for subsidies. Check the FPL chart to see if your income is in this range.

Check out our Affordable Care Advisor to see if you may qualify for financial assistance.

There is no difference. All three refer to the new health care law President Obama signed in 2010. The law aims to make quality, affordable health care available to more Americans.

Go to The Info Booth, where you can find more questions and answers on health care reform.

Affordable Care Advisor

Use this tool to see if you may receive financial assistance on the NY State of Health marketplace. 

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