First, are you Social Security Disabled? Any of these should be able to guide you with regard to health insurance.

COBRA is a complex entity. I don't know if this will help, but here it is anyway...

COBRA coverage and Disability
http://cobrainsurance.com/help/quest...and+Disability

The HIPPA law states that all qualified beneficiaries, not just the disabled person, have the right to continue with COBRA coverage and take advantage of the 11 month extension. In compliance with the COBRA law, it is possible to extend the 18 months of coverage to a 29 months, if and individual has been determined disabled at the time of a qualifying event. HIPPA has modified the plan by allowing the 11 month extension to consist of those disabilities that may happen before or during that first 60 days of your COBRA coverage. You will need to contact the plan administrator before the end of the 18 month period. You must also notify the administrator no later than 30 days after the individual is no longer qualified as disabled by the law.


Also Medicaid in New York State+


Also NYS Office of the Aging which service not just the 65 and older, the also the Social Security Disabled


Also New York Department of the Aging


Hope this is of some help.

Good luck!!