Albert Avany, MD

Cardiologist

Finding the Best Health Insurance on the NY Marketplace for Your Heart Health
Hi, everyone! As a Cardiologist at my Brooklyn/Staten Island clinic, I know how important it is to have health insurance that supports your heart care needs. Whether you’re managing a condition, scheduling regular checkups, or keeping your family healthy, the New York State of Health Marketplace (nystateofhealth.ny.gov) makes it easy to find affordable coverage. Let me share a simple guide to using the NY Marketplace and choosing a plan that works for you, based on what I see in my practice every day.
Albert Avany, MD
Cardiologist
How to Use the New York State of Health Marketplace
The NY Health Insurance Marketplace is designed to help New Yorkers find coverage that fits their lives. Here’s how to navigate it:
1
Get Started Online: Visit nystateofhealth.ny.gov and create an account. You’ll need basic info like your name, address, and income estimate. It’s quick and straightforward, like filling out a form before your echocardiogram
2
Explore Your Eligibility: The Marketplace offers plans for individuals, families, and small businesses. If your income is lower, you might qualify for financial assistance, such as tax credits, Medicaid, or the Essential Plan. Use the “Get an Estimate” tool to see your options—it’s like checking what’s covered before a visit to my clinic.
3
Compare NY Health Insurance Plans: Plans are grouped into Bronze, Silver, Gold, and Platinum tiers. Bronze plans have lower monthly payments but higher costs for care, while Platinum plans cost more upfront but cover more when you see me or other doctors. Use the comparison tool to filter by price, coverage, and in-network providers, like checking if my clinic is included with the provider look-up tool.
4
Enroll Easily: Sign up during Open Enrollment (November 16 to January 31) for coverage starting the next year. Missed it? You can still enroll after major life events, like getting married or changing jobs. Apply online, call (855) 355-5777, or get free help from a certified assister—they’re as supportive as my team during your appointments.
5
Keep Your Coverage Current: Pay your first premium to start your plan. Log in each year to renew or update your coverage if your income or family changes, ensuring you’re always ready for your next heart checkup.
Choosing the Right NY Health Insurance Plan for Heart Care
Selecting a health insurance plan is personal—it should match your health needs and budget. Here’s a breakdown to help you choose, based on what I recommend to my cardiology patients:
  • Bronze Plans: Great for healthy folks who don’t need frequent doctor visits. Monthly costs are low, but you’ll pay more (around $4,000 deductibles) for care, like an occasional checkup at my clinic.
  • Silver Plans: A favorite for many of my patients. They balance monthly payments with costs at appointments (deductibles around $1,750). Lower-income households may get extra savings, making it easier to cover heart screenings or follow-ups.
  • Gold or Platinum Plans: Ideal if you visit me often for heart conditions or need regular medications. Monthly costs are higher, but lower copays and deductibles make care more affordable.
  • Essential Plan: A fantastic choice for lower-income New Yorkers not eligible for Medicaid. With $0 or $20 monthly premiums and no extra costs at the doctor, it’s perfect for keeping up with heart health across NY.
  • Medicaid/Child Health Plus: Best for families with lower incomes or kids, offering full coverage at little to no cost. You can enroll anytime, so your family’s heart care is always covered.
Tips for Choosing the Best Plan
  • Ensure Your Cardiologist Is In-Network: Use the Marketplace’s provider tool to confirm your doctors and hospitals are covered, so you can visit my clinic without unexpected costs.
  • Match Your Health Needs: If you need regular heart checkups, echocardiograms, or medications, consider Gold, Platinum, or the Essential Plan. If you’re healthy, Bronze or Silver plans work well.
  • Look for Financial Help: Tax credits and subsidies, especially on Silver plans, can lower your costs significantly. Check what you qualify for on the Marketplace.
  • Review NY Insurers: In 2023, 12 insurers, including Fidelis Care and Empire BlueCross, offered plans. Check what’s available in your county and look at plan ratings for confidence
Why It Matters for Your Heart Health
As your cardiologist, I see every day how the right insurance makes it easier to stay on top of your heart health. Whether it’s scheduling an echocardiogram or managing a condition, the NY State of Health Marketplace helps you find coverage that fits. Start exploring during Open Enrollment, use the comparison tools, and reach out to (855) 355-5777 or an assister for support. For most of my patients, a Silver plan with savings or the Essential Plan is a great choice for affordable heart care.
Ready to find your plan? Visit nystateofhealth.ny.gov today, and let’s keep your heart healthy together! For more tips on heart health, check out our clinic’s resources or book an appointment with me.
Albert Avany, MD
Cardiologist

09.10.2025

Legal Disclaimer
The information provided on this website and its blog is for general informational purposes only and does not constitute medical advice. The content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified healthcare provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read on this website. The authors and publishers of this website are not responsible for any actions taken based on the information provided.
Finding the Best Health Insurance on the
NY Marketplace for Your Heart Health
Locations:

Wednesday Brooklyn
📍 2960 Ocean Ave, Brooklyn, NY 11235

Thursday & Friday — Staten Island
📍 2627 Hylan Blvd D2, Staten Island, NY 10306
Tel: + 1 (347) 308-2378
Fax: (718) 228-2559
Email: frontdesk@albertavany.com
Hi, everyone! As a Cardiologist at my Brooklyn/Staten Island clinic, I know how important it is to have health insurance that supports your heart care needs. Whether you’re managing a condition, scheduling regular checkups, or keeping your family healthy, the New York State of Health Marketplace (nystateofhealth.ny.gov) makes it easy to find affordable coverage. Let me share a simple guide to using the NY Marketplace and choosing a plan that works for you, based on what I see in my practice every day.

How to Use the New York

State of Health Marketplace


The NY Health Insurance Marketplace is designed to help New Yorkers find coverage that fits their lives. Here’s how to navigate it:
1
Get Started Online: Visit nystateofhealth.ny.gov and create an account. You’ll need basic info like your name, address, and income estimate. It’s quick and straightforward, like filling out a form before your echocardiogram.
.
2
Explore Your Eligibility: The Marketplace offers plans for individuals, families, and small businesses. If your income is lower, you might qualify for financial assistance, such as tax credits, Medicaid, or the Essential Plan. Use the “Get an Estimate” tool to see your options—it’s like checking what’s covered before a visit to my clinic.
.
3
Compare NY Health Insurance Plans: Plans are grouped into Bronze, Silver, Gold, and Platinum tiers. Bronze plans have lower monthly payments but higher costs for care, while Platinum plans cost more upfront but cover more when you see me or other doctors. Use the comparison tool to filter by price, coverage, and in-network providers, like checking if my clinic is included with the provider look-up tool.
.
4
Enroll Easily: Sign up during Open Enrollment (November 16 to January 31) for coverage starting the next year. Missed it? You can still enroll after major life events, like getting married or changing jobs. Apply online, call (855) 355-5777, or get free help from a certified assister—they’re as supportive as my team during your appointments.
5
Keep Your Coverage Current: Pay your first premium to start your plan. Log in each year to renew or update your coverage if your income or family changes, ensuring you’re always ready for your next heart checkup.

Choosing the Right NY Health

Insurance Plan for Heart Care


Selecting a health insurance plan is personal—it should match your health needs and budget. Here’s a breakdown to help you choose, based on what I recommend to my cardiology patients:
Bronze Plans: Great for healthy folks who don’t need frequent doctor visits. Monthly costs are low, but you’ll pay more (around $4,000 deductibles) for care, like an occasional checkup at my clinic.
Silver Plans: A favorite for many of my patients. They balance monthly payments with costs at appointments (deductibles around $1,750). Lower-income households may get extra savings, making it easier to cover heart screenings or follow-ups.
Gold or Platinum Plans: Ideal if you visit me often for heart conditions or need regular medications. Monthly costs are higher, but lower copays and deductibles make care more affordable.
Essential Plan: A fantastic choice for lower-income New Yorkers not eligible for Medicaid. With $0 or $20 monthly premiums and no extra costs at the doctor, it’s perfect for keeping up with heart health across NY.
Medicaid/Child Health Plus: Best for families with lower incomes or kids, offering full coverage at little to no cost. You can enroll anytime, so your family’s heart care is always covered.

Tips for Choosing the Best Plan

Ensure Your Cardiologist Is In-Network: Use the Marketplace’s provider tool to confirm your doctors and hospitals are covered, so you can visit my clinic without unexpected costs.
Match Your Health Needs: If you need regular heart checkups, echocardiograms, or medications, consider Gold, Platinum, or the Essential Plan. If you’re healthy, Bronze or Silver plans work well.
Look for Financial Help: Tax credits and subsidies, especially on Silver plans, can lower your costs significantly. Check what you qualify for on the Marketplace.
Review NY Insurers: In 2023, 12 insurers, including Fidelis Care and Empire BlueCross, offered plans. Check what’s available in your county and look at plan ratings for confidence.
Why It Matters for Your Heart Health
— As your cardiologist, I see every day how the right insurance makes it easier to stay on top of your heart health. Whether it’s scheduling an echocardiogram or managing a condition, the NY State of Health Marketplace helps you find coverage that fits. Start exploring during Open Enrollment, use the comparison tools, and reach out to (855) 355-5777 or an assister for support. For most of my patients, a Silver plan with savings or the Essential Plan is a great choice for affordable heart care

Ready to find your plan? Visit nystateofhealth.ny.gov today, and let’s keep your heart healthy together! For more tips on heart health, check out our clinic’s resources or book an appointment with me.
Legal Disclaimer
The information provided on this website and its blog is for general informational purposes only and does not constitute medical advice. The content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified healthcare provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read on this website. The authors and publishers of this website are not responsible for any actions taken based on the information provided.

09.10.2025

Locations:

Wednesday Brooklyn
📍 2960 Ocean Ave, Brooklyn, NY 11235

Thursday & Friday — Staten Island
📍 2627 Hylan Blvd D2, Staten Island, NY 10306
Tel: + 1 (347) 308-2378
Fax: (718) 228-2559
Email: frontdesk@albertavany.com
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