Medical Bills & Health Insurance Help in New York
Whether you are staring at a hospital bill, an EOB you cannot read, or a denial letter, this page collects what is specific to New York — NY State of Health, New York's own marketplace, NY Medicaid, and the state rules that shape charity care and appeals — alongside our free tools.
Coverage and enrollment in New York
NY State of Health
New York runs its own ACA marketplace instead of HealthCare.gov. Premium tax credits and cost-sharing reductions are available to residents who qualify.
Open enrollment: Nov 16, 2025 – Jan 31, 2026
Visit NY State of HealthNew York Hospital Financial Assistance Law and Surprise Bill Law
Free care is commonly available up to about 300% of the federal poverty level, with sliding-scale discounts up to roughly 500%. Denial appeals are often due within 45 days.
Citation you can quote in a letter: N.Y. Pub. Health Law §2807-k
Free help and complaint channels in New York
Tools you can use on a New York bill
Not sure where to start?
Answer three short questions and we will point you to the right step for your situation in New York.