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Healthy NY: Affordable Health Insurance for Small Businesses

Healthy NY is a state-sponsored health insurance program that helps small businesses in New York State offer affordable, comprehensive health coverage to their employees. With simplified eligibility and state support, it’s a practical option for employers looking to support their team without high costs.

As a licensed health insurance brokerage, NY Health Insurer helps simplify the process by guiding you through eligibility, plan selection, and enrollment. Our platform lets you compare options and complete your application securely—without leaving the site.

Diverse small business team in a New York City office meeting about health insurance

To qualify for the Healthy NY program in 2025, small businesses must meet all of the following requirements:

  1. At least one participating employee must meet the wage requirement
  2. Located in New York State
  3. Employ between 1 and 50 full-time equivalent employees
  4. At least 30% of employees earn $53,650 or less annually
  5. Have not offered comprehensive group health insurance in the past 12 months
  6. Contribute at least 50% of the premium

Doctor visits, hospital care, emergency services, and preventive screenings

  1. Optional prescription drug rider
  2. Wellness and chronic care programs, depending on the insurer
  3. Lower premiums vs. traditional group plans
  4. No or low deductibles

Use our quote tool below to view plan options based on your business info. All comparisons and eligibility checks happen directly on this page.

Infographic showing Healthy NY coverage benefits like doctor visits, prescriptions, and preventive care

Want a printable summary of eligibility, benefits, and application steps? Our free guide outlines everything small business owners need to know about the Healthy NY program in 2025.


NYSOH programs have different enrollment timelines, which our brokers help you navigate:

FeatureHealthy NYStandard Group Plan
EligibilitySmall businesses (1–50 FTEs), income-basedAny small business
Premium CostsState-subsidized, lower than the market averageMarket rate
Drug CoverageOptional riderTypically included
Eligibility RestrictionsWage and uninsured status requiredNo wage requirement

A Syracuse retiree we helped in 2024 enrolled in a Platinum QHP during a special enrollment period after losing employer coverage, completing the process in one call with our support. Explore QHP enrollment details.


Can individuals apply for Healthy NY?

No, Healthy NY is only available to small businesses as of 2014.

Is there a minimum number of employees?

Yes, at least one employee must enroll, and 30% must meet the wage threshold.

What documents are required?

Business registration, payroll reports, employee census, and insurer forms.

Which insurers offer plans?

Healthy NY is available via select state-approved HMOs (varies by region).

Can I switch carriers later?

Yes, you can switch during renewal if eligibility is maintained.


Brooklyn-based café “Sunrise Roast” employed 8 part-time and full-time workers. Most earned under the income threshold and previously lacked coverage. With guidance from NY Health Insurer, the owner enrolled in Healthy NY, reducing monthly premiums by 45% and giving all eligible staff access to preventive care and urgent services.

Owner and staff of a Brooklyn café smiling behind the counter after enrolling in Healthy NY

  1. Essential Plan Guide
  2. How to Enroll Through NY State of Health
  3. Healthy NY vs. Qualified Health Plans

For help with Healthy NY enrollment, call (888) 215-4045 or request a quote online.

"Vista Health Solutions" www.nyhealthinsurer.com Tel (888)215-4045 Email [email protected]