Patty Pansing Brooks for Congress State Senator Building Better Health: New York’s State Insurance Exchange

Building Better Health: New York’s State Insurance Exchange

July 17, 2025| maia17| 0 Comment| 7:21 AM

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New York State to Build its State Health Insurance Exchange

The state of New York has recently announced its plans to build its own state health insurance exchange, also known as NY State of Health. This new health insurance marketplace will serve as a one-stop-shop for individuals and small businesses to compare and purchase health insurance plans. The creation of this exchange is an effort by the state to provide more affordable and accessible health insurance options for its residents.

What is a state health insurance exchange?

A state health insurance exchange is an online marketplace where people can compare and purchase health insurance plans from various insurance carriers. These exchanges were created under the Affordable Care Act (ACA) to provide individuals and small businesses with a more transparent and streamlined process for finding and enrolling in health insurance coverage.

The ACA also required all states to either build their own state health insurance exchanges or utilize the federal exchange. New York is one of the many states that opted to build its own state exchange. This decision was made in hopes of tailoring the exchange to better meet the needs of the state’s residents.

The benefits of NY State of Health

The creation of NY State of Health brings numerous benefits to the residents of New York. One of the primary benefits is the increased accessibility and affordability of health insurance plans. By creating a central marketplace, individuals and small businesses can easily compare and choose from a wide range of health insurance plans. They will also be able to determine their eligibility for various cost-saving programs like tax credits and subsidies.

In addition to this, NY State of Health also simplifies the enrollment process for individuals and small businesses. Instead of having to navigate multiple websites or insurance carriers, they can find all the information they need in one place. This reduces the confusion and frustration that often accompanies the traditional health insurance enrollment process.

Moreover, NY State of Health will offer more transparency and accountability. Insurance carriers who wish to participate in the exchange must follow a set of standards and regulations set by the state. This ensures that the plans offered on the exchange meet certain quality standards and provide essential health benefits.

Who can use NY State of Health?

NY State of Health will be available to all individuals and small businesses in New York who are in search of health insurance coverage. This includes those who are currently uninsured, self-employed, or have employer-provided coverage that does not meet their needs. Furthermore, individuals and families with low to moderate incomes may be eligible for financial assistance programs through the exchange.

When will NY State of Health be available?

The state of New York plans to have NY State of Health up and running by October 1st, 2020, in line with the open enrollment period for the 2021 plan year. This will give individuals and small businesses enough time to review the available plans and make an informed decision that best fits their needs and budget.

The future of NY State of Health

NY State of Health is a significant step towards providing better access to affordable health insurance for New York residents. The state has also implemented measures to continuously improve and maintain the exchange. This includes regular monitoring and evaluation of the exchange and its impact on the residents as well as ongoing efforts to increase the number of participating insurance carriers and plan options.

In conclusion

The creation of NY State of Health is a positive development for the residents of New York. The state is taking a proactive approach towards providing more accessible and affordable health insurance options. This not only benefits individuals and small businesses but also contributes to improving the overall health and well-being of the state’s population. With NY State of Health, New York is making strides towards a healthier and more secure future for its residents.

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Patty Pansing Brooks is a state senator, attorney, small business owner, and lifelong community organizer.

Patty has a proven track record of values-led policymaking and coalition-building to make positive change for all. She was the Co-Chair of the $6 million Union Plaza Fundraising Campaign to create Lincoln’s first urban park. Patty also served as Co-Chair of the $9.6 million Centennial Mall renovation, which helped make the 7 blocks between our Capitol and our State University a beautiful, historic celebration of Nebraska for all visitors. Finally, she was the Co-Chair of the $250 million Lincoln Public Schools bond issue in 2007 with former Senator and friend, Kathy Campbell. That bond issue improved every school in every zip code in Lincoln.”

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In her two terms as a state senator representing Nebraska’s 28th District, Patty has fought hard and achieved victories for our most vulnerable neighbors, particularly children. One focus of her legislative career has been youth justice reform: Patty introduced and passed bills that have expanded children’s rights to legal representation in the justice system, established automatic sealing of children’s court records when they have completed their sentences, and reoriented the purpose of school peacekeeping officers away from bringing more children into the justice system, and toward keeping kids in school.

“Helping people is what it means to be a Nebraskan. More than politics or party, love fuels the fight for real change. When we love our families and our communities — and when someone is in need — we must step in, speak up, and make change happen.”

Additional legislative victories have included protecting victims of human trafficking and enacting stricter punishments on people who benefit from trafficking; creating and leading the Whiteclay Public Health Emergency Task Force that ultimately allowed the Oglala Sioux to reclaim sovereignty over their public health; legally protecting workers to discuss their wages without employer retaliation; codifying the Nebraska Department of Education’s definition of dyslexia as a learning disability, requiring schools to offer evidence-based reading support; and establishing Nebraska’s first officially recognized Indigenous People’s Day.

Patty was born and raised in Lincoln, Nebraska, where her family has lived for four generations. Two of her three children constitute the fifth generation in Lincoln. She is a proud product of Southeast High School, graduated from Colorado College with a B.A. in Political Science, and received her law degree at the University of Nebraska College of Law.

She lives with her husband Loel in Lincoln, where they work together as law partners. They are longtime members of First-Plymouth Congregational Church, where they were married (as were Patty’s parents Lu and Tom). Patty and Loel have three children, Taylor, Graham, and Avary, who have grown into bright, kind, and civic-minded young adults who fill their parents’ hearts with blessings and joy every day!

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