On September 16, 2020, Gov. Cuomo announced that the state exchange’s Special Enrollment Period (SEP) for uninsured residents will be extended through December 31, 2020. Affected individuals can apply for coverage through NY State of Health, New York State's health insurance marketplace, or directly through insurers.
Individuals who have lost employer coverage must apply within 60 days of losing that coverage. Those who enroll in qualified health plans by October 15, 2020, will have a choice of coverage start dates of either October 1, 2020, or November 1, 2020. Those enrolling between October 16, 2020, and December 15, 2020, will have a choice of coverage start dates of November 1, 2020, or December 1, 2020. Finally, those enrolling between December 16 and December 31, 2020, will have a coverage start date of January 1, 2021.
The extension is being provided as a result of the COVID-19 public health emergency, so uninsured residents do not avoid seeking testing or medical care due to a lack of coverage. Those who enroll during the SEP will have the option to continue their enrollment in the same plan in 2021 without a break in coverage.
Employers should be aware of this extension, which may provide an alternative for individuals who have recently lost employer provided coverage.
SEP Announcement »