You may be able to get help paying for a health plan when you enroll in NY State of Health, the Official Health Plan Marketplace. In 2015, federal tax credits are available to most individuals with income of $46,680 or less or a family of four making $95,400 or less.
Unlike most tax credits, you do not have to wait until you file your taxes to get the credit. Marketplace premium tax credits allow you to reduce your costs right away. You have the option to take all or some of the tax credit as an advance payment made directly to your health plan to lower their monthly health plan premium. Health insurance coverage is more affordable because you will pay less each month. The Marketplace will tell you if you qualify for assistance and the exact amount when you apply for coverage.
You can use the estimator here to estimate your premium tax credit and see what you could pay for coverage if you purchase a Marketplace health plan.