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.
Eligibility for Healthy NY
To qualify for the Healthy NY program in 2025, small businesses must meet all of the following requirements:
- At least one participating employee must meet the wage requirement
- Located in New York State
- Employ between 1 and 50 full-time equivalent employees
- At least 30% of employees earn $53,650 or less annually
- Have not offered comprehensive group health insurance in the past 12 months
- Contribute at least 50% of the premium
Benefits of Healthy NY
Doctor visits, hospital care, emergency services, and preventive screenings
- Optional prescription drug rider
- Wellness and chronic care programs, depending on the insurer
- Lower premiums vs. traditional group plans
- 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.
Download the Healthy NY Insurance Guide
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.
Healthy NY vs. Other Small Business Plans
NYSOH programs have different enrollment timelines, which our brokers help you navigate:
| Feature | Healthy NY | Standard Group Plan |
|---|---|---|
| Eligibility | Small businesses (1–50 FTEs), income-based | Any small business |
| Premium Costs | State-subsidized, lower than the market average | Market rate |
| Drug Coverage | Optional rider | Typically included |
| Eligibility Restrictions | Wage and uninsured status required | No 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.
Frequently Asked Questions
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.
How One Brooklyn Business Used Healthy NY to Offer Coverage
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.
Explore More New York Health Insurance Options
For help with Healthy NY enrollment, call (888) 215-4045 or request a quote online.