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Shop and Compare New York health insurance plans instantly and see if you qualify for a free to low-cost plan. No personal information is required to run a quote.

 

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What to Know When Shopping for a New York Health Insurance Plan

New York Health Insurance Options

State Government Health Insurance Programs Offered

New York Health Insurance Companies

 

 

New York Health InsuranceWhat to Know When Shopping for a New York Health Insurance Plan

 

How to determine the New York health insurance plan you may qualify for 

New York health insurance options are based on the following factors or a combination of these factors:

  • Age 
  • Income
  • Employment
  • Health Circumstances – In certain cases regarding state government insurance programs (listed below) 

In order to determine your eligibility for the right New York health insurance plan, consider the following:

Read More

 

Can I qualify for a New York health insurance subsidy, tax credit, Medicaid, Child Health Plus or the Essential Plan based on income

New York offers 4 health insurance plan that is either free or subsidized:

  • Essential Plan
  • Qualified Health Plan
  • Medicaid
  • Child Health Plus

Use the charts below to determine what health insurance plan you may qualify for, based on your total household annual or monthly income

 

Essential Plan  – has 4 options and depending on your income you may pay a monthly premium of $0 to $26 ($46 including dental).  Children dont qualify for the essential plan and usually purchase a child health plus policy ( below)

Family Size100% 138%150%200%
1$12,490$17,237$18,735$24,980
2$16,910$23,336$25,365$33,820
3$21,330$29,436$31,995$42,660
4$25,750$35,535$38,625$51,500
5$30,170$41,635$45,255$60,340
Extra Person$4,420$6,100$6,630$8,840
Monthly Premium$0$0$0$20
With DentalNANA$26$46
Columns that include % are the annual income level required to qualify for the essential plan

*FPL – Federal poverty level

 

Qualified Health Plan – If your income is between 200 to 400% of the Income levels below, then you may qualify for an insurance subsidy. In order to determine the exact subsidy, run a quote above or call our office for further details (888)215-4045

Family Size200%250%300%350%400%
124,98031,22537,47043,71549,960
233,82042,27550,73059,18567,640
342,66053,32563,99074,65585,320
451,50064,37577,25090,125103,000
560,34075,42590,510105,595120,680
Extra Person8,84011,05013,26015,47017,680
Columns that include % are the annual income level required to qualify for a subsidy or tax credit

 

Medicaid – Persons Eligible are:

  • Adults (Up to 138%  of the Monthly Income level below)
  • Pregnant Women and Children under the age of 1: Up to 200% Monthly Income
  • Children between the ages of 19-20 that are Living with Parent (Up to 150% of the Monthly Income level below)

Family Size100%138%150%160%200%
1$1,041$1,437$1,562$1,665$2,082
2$1,410$1,945$2,114$2,254$2,819
3$1,778$2,453$2,667$2,843$3,555
4$2,146$2,962$3,219$3,433$4,292
5$2,515$3,470$3,772$4,022$5,029
Extra Person$369$509$553$589%737
Columns that include % are the monthly income level required to qualify for Medicaid

 

Child Health Plus – a free to low cost health insurance program for children up to the age of 19

Family Size160%200%250%300%350%400%
1$1,665$2,082$2,603$3,123$3,643$4,164
2$2,254$2,819$3,523$4,228$4,933$5,637
3$2,843$3,555$4,444$5,333$6,222$7,110
4$3,433$4,292$5,365$6,438$7,511$8,584
5$4,022$5,029$6,286$7,543$8,800$10,057
Extra Person$589$737$921$1,105$1,290$1,474
Monthly Premium$9 Child Max. $27 Family$15 Child Max. $45 Family$30 Child Max. $90 Family$45 Child Max. $135 Family$60 Child Max. $180 Family$231 child No Max per Family
Columns that include % are the monthly income level required to qualify for Child Health Plus

Free Child health Plus: Less than 160% Income Level 

 

Comparison of  New York Health Insurance plans

the table below provides benefits and health insurance cost comparison of full premium health plan options (standard individual and group health plans) vs. low cost, free, and specialty insurance programs.

 Individual PlanGroup PlanMedicaidEssential PlanChild Health Plus
Office Co-pay50% Deductible & coinsurance$40$0$15$0
Specialist Co-pay50% Deductible & coinsurance$70$0$25$0
Rx: Generic/Brand/High Brand$10/$35/$70$15/$45/$75/$200$0/$15/23% coinsurance$6/$15/$30$0
Emergency Room50% Deductible & coinsurance50% after deductible$0 copay$75 Copay$0
Hospital Co-pay50% Deductible & coinsurance35% after deductible$0 copay$150 per admission$0
In-Network Deductible (single/family)$5,500 single/$11,000 family$2,500 single/$5,000 family$0$0$0
Max Out of Pocket (single/family)$6,550 single/ $13,100 family$8,150 single/ $16,300 family$0$2,000$0
Vision/DentalVision Only(Child)Vision Only(Child)Dental and VisionN/ADental and Vision
NotesLow option plan at full rateGroup Health Plan High OptionEligibility based on IncomeEligibility based on IncomeEligibility based on Age
Single Rate$411.00$904.00$0$20$0

 

Companies that offer Subsidized, low cost or free health plan options

Health Insurance CompaniesIndividual Health Insurance (subsidy eligible)Group Health Insurance (business tax credit eligible)Essential Plan (Free or low cost eligible)Medicaid (free)Child Health Plus (Free or low cost eligible)Medicare (Free or low cost eligible))
Aetna
Affinity
CDPHP
Emblem
Empire
Excellus
Fidelis Care
Healthfirst
HealthNow WNY
HealthNow ENY
Humana
Independent
MetroPlus
Molina
MVP
Oscar
Oxford
UHC
Univera
WellCare
YourCare

 

 

Do I have any health conditions that allow me to qualify for certain NY state government insurance programs?

Based on a combination of health issues and income, you may qualify for NY State Government Insurance programs, which provide coverage related to; specific medical issues, prescriptions, treatments, vaccines, pregnancy, and post-pregnancy related support and nutritional supplements.

Use the chart below to determine what plan you may qualify for and then follow the link to review the plan information

Type
of
Coverage
Age
Based
Finance
Based
Work
Based
Health
Based
Adult Cystic Fibrosis Assistance Program (ACFAP)
Cancer Services Program
Child Health Plus
Children & Youth with Special Health Care Needs - CYSHCN
Dual Eligible Plan and D-SNP
Early Intervention Program (EIP)
Elderly Pharmaceutical Insurance Coverage (EPIC)
Health Insurance Information Counseling & Assistance Program (HIICAP)
HIV Uninsured Care Programs
iCanConnect - New York State
Medicaid
Medicaid Buy-in Program for Working People with Disabilities
Medicaid Cancer Treatment Program (MCTP)
Medicare Savings Programs (MSP) (NY)
Naloxone Co-Payment Assistance Program (N-CAP)
New York Connects - Aging & Disability Resource Center (ADRC-NY)
PACE-NY- Programs of All-Inclusive Care for Elderly Medicaid Managed Long Term Care
Prenatal Care Assistance Program (PCAP)
Technology-Related Assistance for Individuals Disabilities (TRAID) Program
Vaccines for Children Program (VFC) - New York City
Vaccines for Children Program (VFC) - NY State
Women Infants & Children's Program (WIC) (NY)

 

 

New York Health Insurance Options

 

NEw York Health InsuranceIndividual New York Health Insurance 

 

 

Individual New York health insurance plans are for persons:

  • That are between the ages of 19 and 64 or
  • That are dependents between the ages of 0 to 26
  • Who don’t have a health insurance plan at their work,
  • OR, who don’t qualify for their health insurance plan at work because they are part-time or recently hired and haven’t completed the waiting period
  • Who are dependents age 26 or under,  n an individual health insurance plan
  • OR are dependents age 26 or under, of a person who doesn’t qualify for their health insurance plan at work because they are part-time or recently hired and haven’t completed the waiting period
  • BE ADVISED that if you purchase a plan from the New York State exchange and the plan is canceled mid-year, you cannot go back onto a plan until the next Open Enrollment or unless there is a qualifying event. However, you may be able to join an Association and get an Off-Exchange plan, that usually has a larger network of providers.

 

Do I need an individual New York health insurance plan?

As a NY resident, if you are not offered health insurance by your employer as part of an employee benefits program, you may need to buy an individual New York health insurance plan privately.  Read More

 

Where can I buy an Individual New York health insurance plan?

First, be advised that prices are fixed and cannot vary wherever you choose to purchase your NY health insurance plan. Read More


 

New York Catastrophic health insuranceCatastrophic Health Insurance

New York State offers the choice to enroll in a Catastrophic health insurance plan, which is a type of medical coverage under the Affordable Care Act. It is a Qualified Health Plan and thus, meets all the requirements applicable to other New York Health Insurance Qualified Health Plans. Read More


 

New York Health Insurance Small BusinessNew York Small Business Health Insurance

In New York, there are many options for small businesses to offer health insurance to their employees. However, under the Affordable Care Act, only businesses with 50 or more employees are required by law to provide health insurance to workers. Read More


 

COBRA Health Insurance

As in every other state, New York businesses must offer COBRA (Consolidated Omnibus Reconciliation Act of 1986) or Continuation of Health Coverage which is the federal law that allows workers and their families the right to keep their group health plan for a limited time and in certain circumstances. Read More


 

Third-Party Administered Health Insurance Plans

A third-party administrator is not a health insurance plan. It is a company that provides administrative services such as claims processing and employee benefits management under contract to another company. Read More


 

New York Medicare Options

Medicare is the federal health insurance plan designed for those aged 65 or older, and more than 3.6 million  Read More


 

Medicare Advantage Plan

A Medicare Advantage Plan, also a New York health insurance program, is a type of Medicare health plan offered by a private company contracted with Medicare to provide all the benefits of both Part A and Part B (as above).  Read More


 

Medicaid

As n New York Health Insurance option, Medicaid covers more than 6.4 million New Yorkers which is about one-third of the total population and, as of 2019, New York was spending over $74.5 billion a year on its  New York Health Insurance Medicaid program.  Read More

Persons Eligible are adults, pregnant women, and children between the ages of 19-20

Adults: Up to 138%  of the Income level
Children 19 – 20 years old that are Living with Parent: Up to 150% FPL
Pregnant Women and Children under the age of 1: Up to 200% FPL

Family Size100%138%150%160%200%
1$1,041$1,437$1,562$1,665$2,082
2$1,410$1,945$2,114$2,254$2,819
3$1,778$2,453$2,667$2,843$3,555
4$2,146$2,962$3,219$3,433$4,292
5$2,515$3,470$3,772$4,022$5,029
Extra Person$369$509$553$589%737
Columns that include % are the monthly income level required to qualify for Medicaid

If you most likely don’t qualify for Medicaid then you may qualify for the New York Essential Plan 


 

Dual Eligible Plan  and D-SNP

Dual-eligible s are persons enrolled in both a New York health insurance Medicare and Medicaid programs at the same time. Read More


 

New York Essential Plan

The Essential Plan is an affordable New York health insurance plan for those who do not qualify for Medicaid or Child Health Plus, but still, need access to high-quality health care. Read More

Income limits are related to your family size. The following charts explain how your income and family size are structured: 

Family Size100% 138%150%200%
1$12,490$17,237$18,735$24,980
2$16,910$23,336$25,365$33,820
3$21,330$29,436$31,995$42,660
4$25,750$35,535$38,625$51,500
5$30,170$41,635$45,255$60,340
Extra Person$4,420$6,100$6,630$8,840
Monthly Premium$0$0$0$20
With DentalNANA$26$46
Columns that include % are the annual income level required to qualify for the essential plan

For Complete Essential Plan Information be sure to visit our dedicated NY Essential plan page


 

New York Child Health Plus – CHP

A New York health insurance plan especially for children, Child Health Plus (CHP) provides free or low-cost health insurance to children under the age of 19 who do not qualify for Medicaid and do not have other health insurance coverage. Read More

 

Child Health Plus Eligibility

Family Size160%200%250%300%350%400%
1$1,665$2,082$2,603$3,123$3,643$4,164
2$2,254$2,819$3,523$4,228$4,933$5,637
3$2,843$3,555$4,444$5,333$6,222$7,110
4$3,433$4,292$5,365$6,438$7,511$8,584
5$4,022$5,029$6,286$7,543$8,800$10,057
Extra Person$589$737$921$1,105$1,290$1,474
Monthly Premium$9 Child Max. $27 Family$15 Child Max. $45 Family$30 Child Max. $90 Family$45 Child Max. $135 Family$60 Child Max. $180 Family$231 child No Max per Family
Columns that include % are the monthly income level required to qualify for Child Health Plus

Free Child Health Plus: Less than 160% Income Level
For Complete Child Health Plus Information, be sure to visit our dedicated Child Health Plus Page


New York Health Insurance

State Government Insurance Programs Offered

 

 

Adult Cystic Fibrosis Assistance Program (ACFAP)

This New York Health Insurance program offers NY adults with cystic fibrosis monetary assistance in paying their medical bills. It reimburses costs for CF-related medical care as well as insurance premiums for those aged 21 and older. Read More


 

Cancer Services Program

In New York, the Cancer Services Program (CSP) offers screenings for breast, cervical and colorectal cancer-free to both women and men who meet the following conditions: Read More


 

Children & Youth with Special Health Care Needs / CYSHCN

The goal of this NY health insurance program is to improve the care system for children and youths up to the age of 21 and their families providing they meet financial eligibility guidelines. Read More


 

Early Intervention Program (EIP)

The New York State Early Intervention Program (EIP) belongs to the national Early Intervention Program for infants and toddlers with disabilities and their families. Read More


 

Elderly Pharmaceutical Insurance Coverage (EPIC)

This New York State health insurance program, managed by the Department of Health, is a secondary coverage specially targeted toward senior citizens. Read More


 

Health Insurance Information Counseling & Assistance Program (HIICAP)

This NY Health insurance program is federally funded by the Centers for Medicare and Medicaid Services (CMS).  Read More


 

HIV Uninsured Care Programs

For those in New York State with HIV or AIDS who are uninsured or under-insured, this New York health insurance program is offering free coverage of health costs related to their treatment. Read More


 

iCanConnect – New York State

This New York health insurance program is managed by the Helen Keller Services for the Blind and it provides support which allows  Read More


 

Medicaid Buy-in Program for Working People with Disabilities

This New York health insurance program offers Medicaid coverage to working people with disabilities who earn more than the limits allowed for regular Medicaid. Read More


 

Medicaid Cancer Treatment Program (MCTP)

This is a New York health insurance Medicaid program for qualified beneficiaries who need treatment for breast, cervical, colorectal, or prostate cancer. It cannot be extended to include family members or dependents. Read More


 

Medicare Savings Programs (MSP) (NY)

This New York Medicare-administered health insurance program can assist Medicare recipients on limited incomes in paying for their premiums.  Read More


 

Naloxone Co-Payment Assistance Program (N-CAP)

The N-CAP program is a pharmacy benefit operated by the New York State Department of Health AIDS institute for all New Yorkers who have coverage of prescription drugs through their New York health insurance plans. Read More


 

New York Connects – Aging & Disability Resource Center (ADRC-NY)

This center provides assistance and benefits counseling to the elderly and disabled adults of New York as well as their families and caregivers. Read More


 

PACE-NY- Programs of All-Inclusive Care for Elderly Medicaid Managed Long Term Care

This program is especially for those aged 55 or over who need a nursing level of care. Read More


 

Prenatal Care Assistance Program (PCAP)

The PCAP in New York offers family planning advice, routine prenatal care, maternity, and hospital care during delivery, up to two months of full health care after delivery and newborn care for up to one year in hospitals and treatment centers that provide such services. It also routinely offers HIV counseling and testing to pregnant women. Pregnant women and teens must reside in New York and meet income guidelines to be eligible for this New York health insurance program.
For Additional Information be sure to call TEL: 800-522-5006


 

Technology-Related Assistance for Individuals Disabilities (TRAID) Program

The goal of this New York health insurance program is to help those with disabilities to obtain assistive technology services and equipment. Read More


 

Vaccines for Children Program (VFC) – New York City

This program is federally funded and supplies private and public health care facilities throughout New York City with vaccines for eligible children at no cost. Read More


 

Vaccines for Children Program (VFC) – NY State

The New York Vaccines for Children (VFC) program is federally funded and provides free vaccines to eligible children. However, a small administrative fee (amount as set by State) and an office visit fee may be charged. Read More


 

Women Infants & Children’s Program (WIC) (NY)

In New York, this program has offices state-wide providing phone service for appointments. On-site appointments however are often limited. Read More


 

New York health insuranceNew York Health Insurance Companies

 

 

 

New York Health Insurance Company Listing


 

New York health Insurance companies by county cross-comparison chart

A complete listing of every New York health insurance company and the counties they offer and or service health insurance plans

CountyAetnaAffinityAnthemCDPHPCrystal RunEmblemEmpireExcellusFidelisHealthFirstHealthNow ENYHealthNow WNYHumanaIndependentMetroplusMolinaMVPOscarOxfordUniveraUnitedWellCareYourCare
Albany
Allegany
Bronx
Broome
Cattaraugus
Cayuga
Chautauqua
Chemung
Chenango
Clinton
Columbia
Cortland
Delaware
Dutchess
Erie
Essex
Franklin
Fulton
Genesee
Greene
Hamilton
Herkimer
Jefferson
Kings
Lewis
Livingston
Madison
Monroe
Montgomery
Nassau
New York
Niagara
Oneida
Onondaga
Ontario
Orange
Orleans
Oswego
Otsego
Putnam
Queens
Rensselaer
Richmond
Rockland
Saratoga
Schenectady
Schoharie
Schuyler
Seneca
St. Lawrence
Steuben
Suffolk
Sullivan
Tioga
Tompkins
Ulster
Warren
Washington
Wayne
Westchester
Wyoming
Yates

New York Health Insurance Companies by Plan Type Offering

A complete listing of New York health insurance companies and the type of health insurance products they offer.

Health Insurance CompaniesIndividual Health Insurance (subsidy eligible)Group Health Insurance (business tax credit eligible)Essential Plan (Free or low cost eligible)Medicaid (free)Child Health Plus (Free or low cost eligible)Medicare (Free or low cost eligible))
Aetna
Affinity
CDPHP
Emblem
Empire
Excellus
Fidelis Care
Healthfirst
HealthNow WNY
HealthNow ENY
Humana
Independent
MetroPlus
Molina
MVP
Oscar
Oxford
UHC
Univera
WellCare
YourCare

 

Least Expensive Full Premium New York health insurance plan by county

Listing of all New York State Health Insurance counties and the least expensive option in each

CountyPlan NamePremium
AlbanyFidelis Care Bronze ST$399.67
AlleganyFidelis Care Bronze ST$350.60
BronxFidelis Care Bronze ST$402.19
BroomeFidelis Care Bronze ST$350.60
CattaraugusFidelis Care Bronze ST$402.19
CayugaFidelis Care Bronze ST$350.60
ChautauquaFidelis Care Bronze ST$402.19
ChemungFidelis Care Bronze ST$386.67
ChenangoMVP Premier Bronze 2$464.85
ClintonFidelis Care Bronze ST$399.67
ColumbiaFidelis Care Bronze ST$402.19
CortlandFidelis Care Bronze ST$457.55
DelawareFidelis Care Bronze ST$457.55
DutchessFidelis Care Bronze ST$350.60
ErieFidelis Care Bronze ST$350.60
EssexFidelis Care Bronze ST$386.67
FranklinFidelis Care Bronze ST$386.67
FultonFidelis Care Bronze ST$399.67
GeneseeFidelis Care Bronze ST$350.60
GreeneFidelis Care Bronze ST$399.67
HamiltonFidelis Care Bronze ST$386.67
HerkimerMVP Premier Bronze 2$464.85
JeffersonFidelis Care Bronze ST$386.67
KingsFidelis Care Bronze ST$437.42
LewisFidelis Care Bronze ST$386.67
LivingstonMVP Premier Bronze 2$348.20
MadisonFidelis Care Bronze ST$386.67
MonroeMVP Premier Bronze 2$348.20
MontgomeryMVP Premier Bronze 2$411.28
NassauFidelis Care Bronze ST$411.41
New York CityFidelis Care Bronze ST$437.42
NiagaraFidelis Care Bronze ST$350.60
OneidaFidelis Care Bronze ST$386.67
OnondagaFidelis Care Bronze ST$402.19
OntarioMVP Premier Bronze 2$348.20
OrangeFidelis Care Bronze ST$457.55
OrleansFidelis Care Bronze ST$350.60
OswegoFidelis Care Bronze ST$386.67
OtsegoMVP Premier Bronze 2$464.85
PutnamFidelis Care Bronze ST$457.55
QueensFidelis Care Bronze ST$437.42
RensselaerFidelis Care Bronze ST$399.67
RichmondFidelis Care Bronze ST$437.42
RocklandFidelis Care Bronze ST$437.42
St. LawrenceFidelis Care Bronze ST$386.67
SaratogaFidelis Care Bronze ST$399.67
SchenectadyFidelis Care Bronze ST$399.67
SchoharieMVP Premier Bronze 2$411.28
SchuylerFidelis Care Bronze ST$402.19
SenecaMVP Premier Bronze 2$348.20
SteubenFidelis Care Bronze ST$402.19
SuffolkFidelis Care Bronze ST$411.41
SullivanFidelis Care Bronze ST$457.55
TiogaFidelis Care Bronze ST$402.19
TompkinsMVP Premier Bronze 2$472.19
UlsterFidelis Care Bronze ST$457.55
WarrenFidelis Care Bronze ST$399.67
WashingtonFidelis Care Bronze ST$399.67
WayneMVP Premier Bronze 2$348.20
WestchesterFidelis Care Bronze ST$437.42
WyomingFidelis Care Bronze ST$350.60
YatesMVP Premier Bronze 2$348.20
"Vista Health Solutions" www.nyhealthinsurer.com Tel (888)215-4045 Email info@nyhealthinsurer.com