Taxes and Obamacare · NY
Taxes and Obamacare in New York, in Spanish
New York does have a state income tax (up to 10.9%), and health insurance is on NY State of Health. We help you with both by phone and WhatsApp.
Versión en español
- State tax on wages
- Up to 10.9%
- Health insurance marketplace
- NY State of Health
- 2027 enrollment ends
- January 31, 2027
01 · Taxes
Your taxes in New York
New York has a state income tax. Besides the federal return to the IRS, you file the state return with the New York State Department of Taxation and Finance.
State tax on wages
Up to 10.9%
How the tax works
Graduated: from 3.9% to 10.9%. New York City and Yonkers charge their own tax on top.
What's new: Since 2026 the five lowest brackets drop (the lowest becomes 3.9%); the cut is completed in 2027.
State tax officeNew York State Department of Taxation and FinanceWhat you file
- Federal return (IRS)Yes, like everywhere in the U.S.
- New York returnYes, with the New York State Department of Taxation and Finance
Your situation, with its form
In New York you file two returns: the federal one (IRS) and the state one, with the New York State Department of Taxation and Finance. Find your situation and see the box that matters on your form.
Box 17: what was withheld for New York. It goes on your state return. W-2 taxes
I get a W-2 and have kids
If an employer pays you by check or deposit, in January they give you a form called a W-2. With it and your kids' information we prepare your return and check the credits the law gives you.
See this service
Box 1a: what you were paid. It goes on your federal and New York returns. 1099 taxes
I'm paid in cash or through an app
If you work for yourself (construction, cleaning, Uber, DoorDash…), that income is taxed too. You may get a 1099. We help you report what you earned and subtract your work expenses.
See this service
Form W-7 is the ITIN application. With an ITIN you file with the IRS and with New York. ITIN (Form W-7)
I don't have a Social Security number
You can still file your taxes. You use an ITIN, a number issued by the IRS. We help you apply with Form W-7, for you and your dependents.
See this service
02 · Obamacare
Your Obamacare in New York
We help you with your Obamacare in New York: enrolling, renewing and understanding what you pay. This is how the year goes, step by step.
Your year with Obamacare
November 1 to January 31, 2027
You enroll
New York has its own marketplace: NY State of Health. You enroll there, not on HealthCare.gov.
Mid-February
Form 1095-A arrives
It arrives by mail by mid-February, and it may be in your Marketplace account as early as mid-January.
By April 15
We use it in your tax return
It squares the help you got to pay for your insurance. Without the 1095-A your return can't be finished.
Form 1095-A: sent to you by NY State of Health
03 · Business
Your business in New York
If you have or want to open an LLC in New York (the most common way to register a small business), this is what the state asks for. We explain it and go over its taxes with you.
- Where you register
- New York Department of State, Division of CorporationsThe state office that keeps the business registry.
- The document
- Articles of Organization (Domestic LLC, §203 LLC Law)The filing that creates your LLC.
- Filing fee
- $200What the state charges to register it, once.
- Yearly minimum
- $25 a yearWhat you pay even if the LLC earns nothing.
- Periodic report
- Biennial Statement: every 2 years, $9, in the month the LLC was formed. The first one, 2 years after forming it.A report that keeps your LLC's details up to date.
LLC taxes in the state
Annual LLC filing fee (Form IT-204-LL): $25 if it has a single owner; from $25 to $4,500 if it is a partnership. In New York City, also the Unincorporated Business Tax (4%).
Your business taxesOfficial data checked on October 8, 2026. It changes every year: we confirm it before any filing.
Terms you'll come across
- Department of State
- The name this state uses for the office that registers businesses.
- Articles of Organization
- The filing that creates the LLC: its name, address and who runs it.
- Biennial Statement
- Like the annual report, but every two years.
- Unincorporated Business Tax
- New York City's tax on businesses that aren't corporations, like many LLCs.
04 · How it works
How we help you from New York
You don't need to come to Florida: everything is done remotely, from New York to our Doral office.
Message or call us
By WhatsApp or phone, from New York. Tell us your situation in your own words.
We tell you which papers you need
Your W-2 or 1099s, your 1095-A if you had Obamacare, and your details. For the federal and New York returns.
You send us your papers
Through the secure channel we give you. We never ask for papers with personal data over an open chat.
You review, sign and we file
We explain your return before filing it and give you your copy.
Hover over a state to see its details; click to open its page.Tap a state to see its details.
Official data from each state and HealthCare.gov, checked in October 2026. Map: U.S. Census Bureau.
05 · Questions
Questions about New York
Another question about New York?
Message us and we'll answer in Spanish, Monday to Friday.
Ask on WhatsAppOfficial data checked on October 8, 2026. See the sources
Do I pay state tax on my wages in New York?
Yes. Graduated: from 3.9% to 10.9%. New York City and Yonkers charge their own tax on top. Besides the federal return to the IRS, you file the New York return with the New York State Department of Taxation and Finance.
Where do I get Obamacare in New York, and until when?
New York has its own marketplace: NY State of Health. You enroll there, not on HealthCare.gov. For 2027, open enrollment runs from November 1, 2026 to January 31, 2027.
How much does it cost to open an LLC in New York?
Registering it costs $200: it's the Articles of Organization (Domestic LLC, §203 LLC Law), filed with the New York Department of State, Division of Corporations. After that: Biennial Statement: every 2 years, $9, in the month the LLC was formed. The first one, 2 years after forming it.
What changed in New York taxes?
Since 2026 the five lowest brackets drop (the lowest becomes 3.9%); the cut is completed in 2027.
Contact
Live in New York? Message us.
We answer in Spanish. Monday to Friday, by WhatsApp or phone.
- Monday to Friday, 8:00 a.m. – 6:00 p.m.
- Office in Doral, Florida: 4811 NW 79th Ave, Suite 2
- Everything in Spanish, start to finish