Individuals & Families


If you need an Individual or Family plan, Integrated Benefit Solutions is certified to enroll Individuals and Families onto the NYS Health Exchange. According to the Federal Income Guidelines, you may be eligible for a subsidy to help pay for your insurance premiums. Please contact us today to find out how to enroll in an exchange plan.

What is the Individual marketplace?

New York State of Health, the Official Health Plan Marketplace, is a new way for people to shop for, compare and enroll in health coverage. It is also the only place to get financial assistance provided by the federal government to lower the cost of your health coverage.

To shop in the Marketplace, you:

  • Must live in New York
  • Must be a U.S. citizen, national or lawfully present immigrant (Different immigration rules may apply if you are eligible for Child Health Plus or NYS Medicaid or the Essential Plan based on your income)
  • Cannot be currently incarcerated.

What is available through the individual marketplace?

The Marketplace gives you an easy way to compare health insurance plans so you can choose the one that’s right for your health needs and your budget. Health insurance offered through the Marketplace will include a comprehensive set of benefits and coverage.

What kind of assistance is available?

In the Marketplace, you can apply for help to lower the cost of your health coverage.

The Marketplace will also see if you qualify for free or low-cost coverage from Medicaid, the Essential Plan or Child Health Plus.

Enter your zip code in the View Plans Now section above to see if you qualify for financial assistance and the types of plans available to you.

What are Insurance Affordability Programs?

Insurance Affordability Programs include Medicaid, Child Health Plus, the Essential Plan, Advance Premium Tax Credits, and Cost-Sharing Reductions. The Marketplace will determine if you qualify for any of these programs, which can lower the cost of your coverage.

When can consumers enroll?

When you can enroll depends on which program you are eligible for, which is based on age, income and other factors. Enrollment is open all year if you are eligible for: Medicaid, Child Health Plus, and the Essential Plan. You can enroll in a Qualified Health Plan during the annual Open Enrollment Period, or a Special Enrollment Period, if you are eligible.

What is an exemption?

Under federal law, most people are now required to have health insurance. If you do not have health insurance, you may have to pay a penalty to the Internal Revenue Service (IRS) when you file your taxes. Some people will not have to pay this penalty if they qualify for a special circumstance. These special circumstances are called exemptions. Click here to learn more about exemptions and how to apply for them.

Please contact us if you need an individual or family plan, an individual or family vision plan, or an individual or family dental plan.