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Understanding The Affordable Care Act: New York’s Online Exchanges

New York Will Offer 17 Different Coverage Options
A doctor wears a stethoscope during an examination (Photo by Joe Raedle/Getty Images)

A doctor wears a stethoscope during an examination (Photo by Joe Raedle/Getty Images)

CBS New York (con't)

Affordable Care Act Updates: CBSNewYork.com/ACA

Health News & Information: CBSNewYork.com/Health

NEW YORK (CBSNewYork) – The 10-part series looking into President Barack Obama’s signature domestic legislative achievement – the Affordable Care Act – continues Tuesday with a look at New York State’s online health exchanges.

As WCBS 880′s Marla Diamond reported, online exchanges in every state are expected to simplify the enrollment process.

But one expert said the process is even more streamlined in the Empire State.

“It’s truly one-stop shopping. You go in, it doesn’t matter what your income, as long as you’re under 65 you should be able to come out with something,” Elisabeth Benjamin with the Community Service Society of New York told Diamond.

WEB EXTRA: UNDERSTANDING THE AFFORDABLE CARE ACT

So-called navigators will be there for some hand-holding, said Benjamin.

“Their job is to explain to people what their insurance options are going to be, how much it’s going to cost them and walk people through the steps to enroll,” she told Diamond.

In New York, 17 different plans will offer different levels of tiered coverage: platinum, gold, silver or bronze.

“Think about whether you want to pay your health care costs up front or defer it until later,” said Benjamin.

Tax credits will bring down premiums for families making less than $94,000 a year, Diamond reported.

New York is expecting a 53 percent drop in rates for those who have been buying insurance on the open market without the help of an employer.

In Part 3 on Wednesday, Diamond will introduce us to a Bronx woman battling a chronic health condition who lost her job and her health insurance.

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