How to Apply for Healthy NY
Once you confirm that your small business meets Healthy NY eligibility, it’s time to apply. This guide walks you through the full application process, from document prep to plan selection and submission.
Step 1: Verify Eligibility
- Business must be located in New York State
- Have 1–50 full-time equivalent employees
- 30% or more of employees earn ≤ $53,650
- No comprehensive group coverage provided in the past 12 months
Step 2: Gather Required Documents
- Employer Identification Number (EIN)
- Recent payroll data and wage reports
- Employee census with roles and income
- Proof of NY business address
Use our documents checklist for full details.
Step 3: Select a Participating Carrier
Healthy NY plans are offered through select HMOs in New York. Availability may vary by region. Choose the plan that fits your budget and employee needs.
Popular carriers include:
- Fidelis Care
- Healthfirst
- UnitedHealthcare
- MetroPlus
Step 4: Submit the Application
Healthy NY applications are typically submitted through the carrier you’ve selected. You’ll need to include:
- Completed enrollment forms
- Required wage and census data
- Signed employer contribution agreement
Processing time can take 1–2 weeks, depending on the carrier and completeness of your file.
Step 5: Receive Approval and Start Coverage
Once your application is approved, you’ll receive a welcome packet and policy documents from the carrier. You’ll then begin premium payments, and your employees can access benefits as of the chosen start date.
Need Help Applying?
As a licensed health insurance broker, NY Health Insurer can help guide you through every step — from checking eligibility to submitting forms to selecting the right carrier.
Call (888) 215-4045 or start your quote online today.
Or return to our Healthy NY overview page to learn more.
Healthy NY Application Steps Infographic
Here’s a visual summary of the entire process, from eligibility to approval:
