Long Islander Cornelius Kelly found it would be no problem to secure a family plan for his wife and three older kids through New York’s health-care exchange, but his 18-month-old daughter was out in the cold. The baby would need her own insurance policy. “I couldn’t believe what I was being told,” said the dad from East Quogue, in Suffolk. Kelly said he was no fan of the Affordable Care Act, but when he received notice a few weeks ago that his current insurance plan was being canceled, he tried the New York State of Health Web site.