Pay BillIf you need to find health insurance on your own, we are here to help.
Helping our members through difficult times has always been an important part of the RedShirt Treatment. What’s happening now with the COVID-19 pandemic is no exception.
An Independent Health RedShirt® can help you understand your options.
(716) 505-8515 or 1-855-210-9930 (TTY: 711)
Monday – Friday from 8 a.m. – 5 p.m.
Like always, we’ll be here when you need us, even just to listen.
Find a RedShirt
Find a RedShirt
Select a convenient appointment time or find a location in your neighborhood to talk to a RedShirt about which plan option is right for you.
Marketplace or Independent Health?
Independent Health offers plans that you may purchase directly from us,and those that are available for purchase through the NY State of Health Marketplace. To
determine which route is best for you, you should first consider whether you may qualify to receive lower premiums and/or lower out-of-pocket costs. To see if you
qualify, click on the eligibility button below.
Child Health Plus
If you live in Erie or Niagara county and are looking for health care coverage for your children, consider Child Health Plus, a New York state sponsored health insurance program for� uninsured kids and teens who reside in New York.
ESSENTIAL PLAN
If you’re a resident of Erie or Niagara County with a low income and don’t qualify for Medicaid or Child Health Plus, you may qualify for the Essential Plan, with monthly premiums and copays as low as $0.
Available through the New York State of Health.
Available through the New York State of Health.
Medicaid / Medisource
If you live in Erie county and qualify for Medicaid, you may be eligible for MediSource, a New York state sponsored Medicaid Managed Care program for individuals with little or no health insurance. Available through the New York State of Health.
Financial Assistance
Use the chart below to determine if you may qualify for financial assistance to lower your cost of health care coverage through the NY State of Health Marketplace.
Note: The NY State of Health Marketplace determines your eligibility.
Note: The NY State of Health Marketplace determines your eligibility.
| Number of people in your household | ||||||
|---|---|---|---|---|---|---|
| What you may qualify for | 1 | 2 | 3 | 4 | 5 | 6 |
| You may qualify for lower premiums with a NYS of Health Marketplace insurance plan if your yearly income is between | $23,760 - $47,520 | $32,040 - $64,080 | $40,320 - $80,640 | $48,600 - $97,200 | $56,880 - $113,760 | $65,160 - $130,320 |
| You may qualify for lower premiums and lower out-of-pocket costs with a NYS of Health Marketplace insurance plan if your yearly income is between | $23,760 - $29,700 | $32,040 - $40,050 | $40,320 - $50,400 | $48,600 - $60,750 | $56,880 - $71,100 | $65,160 - $81,450 |
|
You may qualify for Essential Plan coverage if your yearly income is between |
Up to - $23,760 | Up to - $32,040 | Up to - $40,320 | Up to - $48,600 | Up to - $56,880 | Up to - $65,160 |
|
You may qualify for Medicaid coverage if your yearly income is below (Exception: individuals not eligible for Medicaid due to immigration status may be eligible for Essential Plan coverage) |
$16,395 | $22,108 | $27,821 | $33,534 | $39,248 | $44,961 |
Determine the size of your household
Estimate your household income
-
Do Include:
- Yourself
- Your spouse or unmarried partner who needs health coverage
- Your children who live with you, even if they make enough money to file a tax return themselves
- Anyone you include on your tax return as a dependent, even if they don't live with you
- Anyone else under 21 who you take care of and lives with you
-
Don't Include:
- Your unmarried partner who doesn't need health coverage and is not your dependent
- Your unmarried partner's children, if they are not your dependents
- Your parents who live with you, but file their own tax return and are not your dependents
- Other relatives who file their own tax return and are not your dependents
Household income includes the household gross income of the taxpayer and spouse, and dependents if they are old enough to file a tax return. Married couples must file jointly in order to receive a subsidy. You will be required to provide an attestation of your expected household income, which is verified by the documentation of your most recent tax return, with consideration of reasonable changes. To estimate your household gross income, add the total gross income for you, your spouse and any dependents who make enough money to file a tax return.
To learn if you qualify for lower costs on heatlh insurance coverage, find your estimated household gross income and household size on the chart above. The column on the left tells you if you may qualify for health care tax credits, lower out-of-pocket costs, or lower-cost health care through Medicare.