A low-cost or no-cost health plan for lower-income New Yorkers who don’t qualify for Medicaid. Income limits apply, and immigration status may be considered.

Qualified Health Plans (QHPs) under the ACA are divided into four metal levels based on how the costs are shared between you and the insurer. Here’s a quick breakdown:

Bronze

Insurer pays 60% of your healthcare costs.

You pay 40% (higher out-of-pocket costs, but lower premiums).

Best for people who don’t expect many healthcare needs.

Silver

Insurer pays 70% of your healthcare costs.

You pay 30% (moderate premiums and costs).

Ideal for those who qualify for cost-sharing reductions or expect average healthcare needs.

Gold

Insurer pays 80% of your healthcare costs.

You pay 20% (higher premiums, but lower out-of-pocket costs).

Best for those who expect more medical care or want lower out-of-pocket expenses.

Platinum

Insurer pays 90% of your healthcare costs.

You pay 10% (highest premiums, lowest out-of-pocket costs).

Best for those who expect frequent healthcare needs and can afford higher premiums.

• Dental Plans & Vision Plans

😁 Dental Insurance Plans

• Protect your smile and your wallet.
• Good oral health is essential to your overall well-being—and dental insurance makes it easier and more affordable to get the care you need. Whether you’re an individual, a family, or a senior, we can help you find the right dental plan to fit your needs and budget.
• 🦷 What Dental Insurance Covers
• Most dental plans help cover:
• Routine checkups and cleanings
• X-rays and diagnostic services
• Fillings, crowns, and root canals
• Extractions and oral surgery
• Dentures and implants (depending on the plan)
• Orthodontics (braces/invisible aligners for kids or adults in some plans)
• 💲 Affordable Options Available
• Plans vary in coverage and cost. We can help you compare:
• Monthly premiums
• Annual maximums
• Deductibles
• Copays and coinsurance
• Provider networks (choose your own dentist or stay in-network to save)
• Some plans have no waiting periods for preventive care, and many include discounts on vision or hearing services as a bonus.
• 👨‍👩‍👧‍👦 Who Can Enroll?
• Adults and families
• Seniors with or without Medicare
• Individuals without employer-sponsored dental coverage

Vision Insurance Plans

Clearer vision, better health, lower costs.

Vision insurance helps you save on routine eye care, prescription glasses, and contact lenses. Whether you’re looking for standalone vision coverage or a combined dental & vision plan, we can help you find the right option at an affordable price.

CLICK HERE FOR DENTAL ONLY PLANS 

CLICK HERE FOR DENTAL & VISION PLANS 

 What Vision Insurance Covers

Most vision plans include:

• Annual eye exams
• Prescription eyeglasses (frames and lenses)
• Contact lenses (including exams and fittings)
• Discounts on lens upgrades (anti-glare, bifocals, etc.)
• Coverage for vision correction procedures (e.g., LASIK discounts with some plans)

💲 Affordable & Flexible Options

Vision plans offer:

• Low monthly premiums
• Set copays for exams and eyewear
• Wide provider networks (national chains and local optometrists)
• No deductibles in most cases

Plans can be purchased individually, as a family plan, or bundled with dental coverage for added savings.

👨‍👩‍👧‍👦 Who Should Enroll?

Vision insurance is ideal for:

• Individuals and families
• Seniors (especially those whose Medicare plans do not include vision)
• Anyone who wears glasses or contacts

CLICK HERE TO APPLY FOR VISION ONLY PLANS