New Yorkers whose health insurance policies were cancelled because of federal health care reform are facing a deadline to pick a replacement plan if they want to avoid a lapse in coverage on Jan. 1.

Monday is the last day people can purchase a plan through New York’s new online insurance marketplace if they want coverage to be in effect on New Year’s Day.

At least 100,000 New Yorkers had their old plans canceled because of new regulations ushered in by the Affordable Care Act.

As of Dec. 15, about 135,000 people had used the state website to sign up for a new plan or enroll in Medicaid.

A more significant deadline comes in March. That’s when federal law requires all Americans to get health coverage or face fines.

(AP)