Nathan Brody
Recent work
Medicare Savings Programs in New York: Who Pays Your Part B Premium
New York's Medicare Savings Programs pay your Part B premium and, at lower incomes, Medicare cost sharing. The 2026 monthly limits, no asset test, where to apply.
What Resets on January 1, 2027, and the First-Week Checklist
Deductibles, out-of-pocket counters, drug lists and networks start over on January 1. What else changes in 2027 in New York, and what to check in the first week.
Form 1095-A From NY State of Health: What It Is and Why the 2026 Return Is Different
Had a marketplace plan in 2026? Form 1095-A arrives by January 31 and feeds Form 8962. Why the 2026 return is the first with no cap on repaying the credit.
Federal poverty level (FPL)
The federal poverty level is the annual income figure New York health programs are measured against. The 2026 amounts and every state threshold built on them.
Deductible
A deductible is what you pay for covered care each plan year before your plan pays its share. How it works, what skips it, and which New York plans have none.
Copay
A copay is a fixed amount you pay for a covered service. How it differs from coinsurance, when the deductible comes first, and the copay rules New York adds.
Hospital for Special Surgery: Apply Before Your Care, and Approval Lasts Two Years
HSS's own policy lets you apply before scheduled care, keeps an approval for two years, and reaches U.S. residents well beyond New York. How to use it.
Extra Help for Medicare Drug Costs: The 2024 Change Worth Re-Applying For
Extra Help means a $0 Part D premium and low fixed copays. Since January 1, 2024 the full subsidy reaches 150% of the poverty level, so anyone turned down before then should apply again.
Memorial Sloan Kettering: Financial Assistance for Patients Anywhere in the U.S.
MSK's own policy opens its financial assistance program to patients who live anywhere in the U.S., with two conditions for new patients. How it works.
Out-of-pocket maximum
The out-of-pocket maximum caps your cost sharing for covered in-network care each plan year. What counts toward it, what never does, and the New York rules.
Formulary
A formulary is a plan's list of covered drugs, sorted into tiers that set your cost. What on-formulary means, how exceptions work, and New York's NYRx list.
Prior authorization
Prior authorization is a plan's approval before it pays for care. Who asks for it, what a denial says, where the deadlines are, and New York's appeal route.