New York Health Insurance Shop Now and Save
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.
TABLE OF CONTENTS
- 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
What 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:
1) Current Age
Based on Age alone, these are your current health plan options
- Individual New York health insurance is available to persons age 19 -64.
- Individual Dependent coverage is available from ages 0 – 26 in New York
- Catastrophic health insurance is available to non-dependent persons age 19 – 29
- Medicare and Medicare Advantage is available to persons age 65 and above
2) Current Income
Based on Income, you may qualify for the following New York Health Insurance options
The individual coverage above and the following factor in your income to determine your eligibility for a subsidized, discounted, or free health insurance plan:
- subsidized individual health insurance
- Essential plan
- Medicaid
3) Current Employment
Based on Employment Status, you may qualify for the following New York Health Insurance options
- Small group health insurance
- Large group health insurance including Third Party Administered coverage
- COBRA
- Association Plan Health Insurance
Standard Health Insurance Programs in New York
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 Financial Based Work Based
Individual with or without Subsidy
Catastrophic Health Insurance
Essential Plan Health Insurance
Association Health Plans
Small and Large Business Health Insurance
COBRA
TPA
Medicare
Medicare Advantage
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)
Columns that include % are the annual income level required to qualify for the essential plan
Family Size 100% 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 Dental NA NA $26 $46
*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
Columns that include % are the annual income level required to qualify for a subsidy or tax credit
Family Size 200% 250% 300% 350% 400%
1 24,980 31,225 37,470 43,715 49,960
2 33,820 42,275 50,730 59,185 67,640
3 42,660 53,325 63,990 74,655 85,320
4 51,500 64,375 77,250 90,125 103,000
5 60,340 75,425 90,510 105,595 120,680
Extra Person 8,840 11,050 13,260 15,470 17,680
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)
Columns that include % are the monthly income level required to qualify for Medicaid
Family Size 100% 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
Child Health Plus
Free to a low-cost health insurance program for children up to the age of 19
Columns that include % are the monthly income level required to qualify for Child Health Plus
Family Size 160% 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
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 Plan Group Plan Medicaid Essential Plan Child Health Plus
Office Co-pay 50% Deductible & coinsurance $40 $0 $15 $0
Specialist Co-pay 50% 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 Room 50% Deductible & coinsurance 50% after deductible $0 copay $75 Copay $0
Hospital Co-pay 50% Deductible & coinsurance 35% 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/Dental Vision Only(Child) Vision Only(Child) Dental and Vision N/A Dental and Vision
Notes Low option plan at full rate Group Health Plan High Option Eligibility based on Income Eligibility based on Income Eligibility 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 Companies Individual 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
New York Health Insurance Options
Individual 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 you have 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
Additionally, other reasons to purchase individual health insurance may include one or more of the following:
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
Broker – A good source for shopping individual New York health insurance is through the online quoting tool above. Just enter your zip code and results will appear on the next page. State Exchange – Individual health plans, also known as Qualified Health Plans, are managed by private insurance companies rather than New York State. Insurance companies participate in state exchanges and offer plans for sale to the public. If you are under 65, you can potentially buy one of these plans, and based on your income, receive financial assistance in the form of a subsidy or tax credit. For additional information please review our New York state of health marketplace dedicated page Insurance Company – Individual New York health insurance plans can also be bought directly from New York health insurance companies however by going direct through an insurance company you cannot purchase a qualified health plan and won’t be eligible for a tax subsidy or tax credit. Undocumented New York persons are also able to purchase an individual health plan directly from a health insurance company. Associations – Since the creation of the Affordable Care Act, the Self-employed and freelancers are no longer considered businesses. for the sake of health insurance coverage, they now fall under the individual health insurance market. They are entitled to the same benefits including subsidies, however, they have the same restrictions as well. For Insurance on Association Health Plan options please call us (888)215-4045
Catastrophic 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
This is a type of high-deductible health plan for adults under 30 or those who qualify for a Hardship Exemption. Catastrophic plans are designed to protect you the coverage needed in the event of a worst-case scenario; for example, if you meet a medical emergency with medical costs totaling thousands of dollars. Under a catastrophic health insurance plan, monthly premiums tend to be lower, but you’ll generally need to pay for all health-care costs yourself until you reach the plan’s annual deductible, which is usually at least a couple of thousand dollars.
New 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
If you are a small business owner in New York and would like to offer health insurance to your employees, there are many benefits to doing so. You may qualify for the Small Business Health Care Tax Credit that would cover up to 50% of the cost the employer pays for their employees’ insurance premiums. The eligibility requirements are: It should be noted that eligibility is based on the number of full-time employees, rather than the number of total employees; businesses with part-time workers may also qualify for the credit even if more than 25 workers are under their employ. Further information on this can be found in New York Small Business Health Insurance. If you are a NY small business owner with fewer than 10 full-time employers with an average annual salary of $25,000 or less, you may still be entitled to the full tax credit. For those companies with a higher number of full-time workers and higher salaries, the amount of credit is reduced. There are many reasons you may provide New York health insurance to your employees. New York businesses with 50 or more employees must offer health insurance under the Affordable Care Act. However, even if it is not required by law, offering health insurance can have many benefits such as: If you work for small businesses and your employer does not offer New York health insurance benefits, you can enroll in an Individual/Family plan on the NY State of Health Marketplace. Keep in mind that most people are required to have a health plan in place under the Affordable Care Act. Just like an individual, you may qualify for a lower premium based on your income. Small Business health insurance plans are for persons:
Small Business as Owners
Small Business as Employees
COBRA Health Insurance
As in all states, New York businesses are required to make available COBRA (Consolidated Omnibus Reconciliation Act of 1986) or a Continuation of Health Coverage. That’s the federal law allowing employees and their families the right to keep their group health coverage for a limited time and under certain conditions. Read More
Qualified individuals, however, are usually required to pay the full cost of the insurance. Additionally, large employers in New York, that have 20 or more full-time workers must provide Continuation of Health Coverage to their qualifying workers by paying a part of their New York health insurance premiums during their employment. If an employee loses eligibility to receive an employer’s health insurance benefits—which can happen for many reasons (such as getting laid off or falling below a minimum number of hours that you work per week)—the employer can discontinue paying its portion of the employee’s premiums. In that case, COBRA allows an employee and their dependents to keep the same health insurance plan for a limited time, provided they are willing to pay for the insurance on their own. Under COBRA, former employees, spouses, ex-spouses, and dependents have to be offered the option of continuing their health insurance coverage at the rate of the employer, which otherwise would be terminated. While these ex-employees are likely to pay more for New York health insurance coverage through COBRA than they previously did as an employee (because the employer will no longer pay a share of the premium costs), COBRA coverage might be less expensive than an individual health insurance plan would be Generally, when placed in one of the fore-mentioned situations, New Yorkers either opt to continue health coverage through COBRA or select another health plan option in the marketplace. Benefits that one would consider keeping COBRA include keeping the same doctors and benefits you have been used to and keeping the same standard of coverage. If you decide to look for another plan option in the marketplace, you should compare the coverage you had with your previous employer with that of insurance policies now available to you to see which benefit package best suits your needs.
Third-Party Administered Health Insurance Plans
A third-party administrator (TPA is not a health insurance plan. It is a company that offers administrative services such as claims processing and employee benefits handling under contract to another company. Read More
We mention TPA’s here because large companies with over 300 employees often self insure in which they retain a minimum level of risk per employee, then have an insurance company cover the risk over that level. The TPA will handle all of the paperwork related to that self-insured risk per employee. Most companies set a level of 50,000 dollars as a self-insured limit before the insurance company begins to provide coverage. This ensures lower premiums and gives the employer the opportunity to possibly control costs The use of TPAs for many New York Health Insurance plans is now common in many businesses, and the range of tasks they provide is growing rapidly. They have specific roles in the health insurance arena, commercial insurance products, and investment companies relative to operations. Some TPAs are moving into new areas such as forensic accounting work, workers’ compensation audits, and emergency response planning.
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 is broken down into two parts: Medicare is also a New York health insurance program that is offered both by insurance companies and other private companies approved by Medicare.
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
Choosing to join one of these plans, you must: See here for more information: Who can join a Medicare Advantage Plan? It is worth noting that, currently, the largest carriers of Medicare Advantage Plans in New York are Humana, Empire Blue Cross Blue Shield, Cigna, Aetna, and Excellus
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
Of those who are presently covered under New York Medicaid, Medicaid is a health plan that is provided to millions of Americans, including certain low-income persons, children, pregnant women, seniors, and those that are certified blind or otherwise certified disabled. New York State offers one of the best long-term care benefit packages through Medicaid. The NY Medicaid program provides both institutional care and other long-term care as well as custodial and skilled services. Short-term plans, however, are not available in New York; a factor which lowers the risk of New Yorkers being without coverage at any one time. Additionally, another great benefit is that New York does not limit the number of those who receive such services in a given time, unlike many other states. New Yorkers are able to receive Medicaid coverage if they earn an income of up to 138% of the FPL (monthly income)which is from $16,643 per year for one person up to $68,559 for a family of 10. Of NY Medicaid beneficiaries, 59% of non-disabled and non-elderly have some form of employment. For individuals who are blind, disabled or over 65 to be eligible for Medicaid in New York, they must not earn more than $9,900 for a family of 1, $14,500, a family of 2, $16,675, a family of 3 or $18,850 for a family of 4.
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
Columns that include % are the monthly income level required to qualify for Medicaid
Family Size 100% 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
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
These New York health insurance enrollees are commonly broken into two groups: Additionally, if you are a New Yorker with special needs, you can enroll in a Dual Special Needs Plan (D-SNP) that includes Medicare and Medicaid benefits. These plans may pay for expenses that the two types of coverage do not cover individually, including some over-the-counter items. They could also offer extra coverage for things like hearing aids, vision, and dental care. Beneficiaries who are dual-eligible can change between Original Medicare and Medicare Advantage or switch to Part D plans at any time.
New York Essential Plan
The Essential Plan is a low cost and affordable New York health insurance plan for persons who do not qualify for Medicaid or Child Health Plus, but still, need affordable and high-quality health care. Read More
There are three qualifying events to being eligible for the NY Essential Plan. They are:
Income limits are related to your family size. The following charts explain how your income and family size are structured:
Columns that include % are the annual income level required to qualify for the essential plan
Family Size 100% 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 Dental NA NA $26 $46
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 made especially for children, Child Health Plus (CHP) provides free to low-cost health plans to children under 19 years old. They cannot qualify for Medicaid and don’t have any other health insurance coverage. Read More
There are 18 CHP plans which are New York state-approved and eligible children must enroll in one of these plans in the county where they reside. To qualify for the Child Health Plus program, children must: Some services covered by the New York health insurance CHP program are well-child care, immunization services, diagnosis and care of illnesses and injury, emergency care, inpatient and or surgical care, outpatient surgery, substance abuse treatment, mental health care, dental, vision, speech and hearing services, medical equipment program, and ambulance services To see whether you would need to pay a premium for coverage, view the table below
Child Health Plus Eligibility
Columns that include % are the monthly income level required to qualify for Child Health Plus
Family Size 160% 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
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
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
To qualify for ACFAP in New York, you must: For Additional Information be sure to call TEL: 518-408-5089
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
- Reside in New York State
- Have no health insurance
- Be a health insurance beneficiary but without screening and/or diagnostic services
- Meet the requirements for income eligibility
- Be the required age (ages 21 to 64 for cervical cancer screening, 40 to 64 for breast cancer screening and, for both men and women ages 50 and over, for colorectal cancer).
The CSP services are provided in every county and borough of New York at local clinics, health centers, doctors’ offices, and hospitals by health professionals participating in the CSP.
Included in this New York health insurance program are clinical breast exams, Pap tests, mammograms, colorectal cancer screening, and, for certain patients, a colonoscopy. Those receiving positive screening tests also receive diagnostic testing, are then referred for treatment if necessary and may be enrolled in the Medicaid Cancer Treatment Program. If a high risk for colorectal cancer due to family history (polyps, etc.), a colonoscopy may be ordered.
For Additional Information be sure to call TEL: 877-778-6857
“Children and Youth with Special Health Care Needs / CYSHCN”
The goal of this NY health program is to improve the overall care system for children and young adults up to 21 years old and their families. That is provided they meet financial eligibility needs. Read More
Children in this NY health Program must have a condition for which they need special health care and support services. Such children might have a serious or chronic:
- Physical condition
- Intellectual or developmental disability
- Behavioral or emotional condition
The following Services are often included: physical exams, screening services, hearing & vision care, nutrition care, doctor office visits, early intervention services, lab tests, immunizations, prescription medicine, routine care coordination, social services, and home health visits.
For Additional Information be sure to call TEL: 518-473-7922
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
To be eligible for this New York health insurance program, children must be:
- Under 3 years of age
- Have a confirmed disability or established developmental delay, as defined by New York State, in area/areas of development including physical, cognitive, communication, social-emotional, and/or adaptive.
This NY Health program offers therapeutic and support services to qualifying infants and toddlers with disabilities and their families, including but not limited to:
- Diagnosis and evaluation
- Physical and occupational therapies
- Speech-language pathology and audiology
- Assistive technology
- Nursing services
- Nutrition services
- Psychological services
For Additional Information be sure to call TEL: 800-522-5006
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
If you are enrolled in or eligible for a Medicare Part D drug plan, you can apply for EPIC coverage. For members of the Medicare Part D drug plan, EPIC will help pay your premiums if your income is up to $23,000 if single or $29.000 if married; this is called the Fee Plan. The Deductible Plan is for those with a higher income and members must pay their own Part D premiums but will have their EPIC deductible reduced.
The Fee Plan:
-
- Is for those with moderate incomes
- Has a low annual fee paid in quarterly installments; from $8 to $300 based on income
- Saves members about 80% on prescriptions at participating pharmacies
- Runs through December 31st each year
- Have Medicare Part D Plan premiums paid up to $36.55 every month
The Deductible Plan:
-
- Is for seniors with higher incomes ($20,001 to $75,000 if single or $26,001 to $100,000 if married)
- Means members pay full cost till the annual deductible is reached, then co-payments (save about 80%)
- Runs through December 31st each year
- Have Medicare Part D Plan premiums paid up to $36.55 every month
*Collectively, fees and deductible amounts are based on income and marital status. The coverage is coordinated with Medicare Part D if you have it.
In order to receive New York health insurance EPIC benefits, you must:
-
- Be residents in NY state
- Meet income requirements (does not include scholarships)
- Be at least 65 years or older
- Use a pharmacy located in NY state.
For Additional Information be sure to call TEL: 800-332-3742
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
As in all states, HIICAP in New York State is not linked to any insurance companies and does not sell insurance products. Additionally, HIICAP’s counseling sessions offer unbiased, confidential, and free advice.
Among other things, HIICAP can help you:
- Choose between Medicare and Medicare Advantage Plans including eligibility, enrollment, benefits; premiums, costs and claims
- Understand Medicare rules and your medical bills
- With a comparison of Part D prescription drug plans
- With information about health plans such as HMOs, PPOs, Private Fee for Service (PFFS), Special Needs Plans, and Medical Savings Accounts
- With Medigap supplemental insurance
- With programs which help pay Medicare premiums, deductibles
- Choose from long-term care options
- With information on low-income programs such as the Elderly Pharmaceutical Insurance Coverage (EPIC) Program, Medicare Savings Programs, “Extra Help” prescription assistance, and pharmacy discount programs.
To be eligible for HIICAP in New York State, you must:
- Be a New York resident
- Be eligible for, or enrolled in Medicare
For Additional Information on this New York Health Insurance program, be sure to call TEL: 800-701-0501
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
The program provides:
- Financial help for specific HIV/AIDS-related FDA approved prescription drugs
- Specificied outpatient medical and support services
- Case management
- Help with Insurance premiums/deductibles/co-payments
- Mental health services
- Help with substance abuse, etc.
To be eligible, you must:
- Be a resident of New York
- Be HIV positive
- Meet income guidelines ((earn less than $62,450 for a single person, $84,550 for a couple, or $106,650 for a household of three)
- Not have a health insurance plan in place or need help with your out-of-pocket costs (less than $62,450 for a single person, $84,550 for a couple, or $106,650 for a household of three;
For Additional Information be sure to call TEL: 800-542-2437
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
Assistance provided by iCanConnect in New York State includes:
- Telephones (including wireless phones)
- Interoperable video conferencing services
- Computers and access to the Internet (Equipment may be hardware, software, applications)
- Possible installation and training of essential equipment
See iCanConnect – New York State for further details.
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
To be eligible, you must:
- Be a resident of NY state
- Be aged from 16 to 64
- Have a disability as defined by Social Security
- Be engaged in paid full-time or part-time work
- Meet gross income limits
- Have nonexempt resources below $20,000 ($30,000 for a couple)
For Additional Information be sure to call TEL: 800-541-2831
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
To be enrolled in the MCTP in New York, you need to complete an application with a New York State Department of Health Cancer Services Program (CSP) trained designee and/or be referred to the program by a Designated Qualified Entity (DQE), who is a person trained by the New York State Department of Health to assist individuals to complete the MCTP application.
Full Medicaid benefits are provided for those enrolled in the MCTP for an initial period which is determined by the type of cancer or precancerous condition of the person receiving treatment.
To be eligible for the MCTP, you must:
- Be under the age of 65
- Have an income at or below 250% of the Federal Poverty Level
- Not be covered under any creditable insurance
- Be ineligible for Medicaid under other eligibility groups
- Be a resident of New York state and a U.S. citizen or eligible alien
- Have been screened by a NY State licensed health care provider or by another state’s National Breast & Cervical Cancer Early Detection Program.
For Additional Information be sure to call TEL: 866-442-2262
Medicare Savings Programs (MSP) (NY)
A New York Medicare-operated health insurance program that can assist Medicare persons with limited incomes in paying for their premiums. Read More
The MSP has three benefit tiers with a different income eligibility level for each:
- The Qualified Medicare Beneficiary (QMB) assists in paying for Part A & B premiums, deductibles, coinsurance, and your copays.
- The Specified Low-income Medicare Beneficiary (SLMB) and the Qualifying Individual (QI) program both assist in paying for Part B premiums only; however, their income eligibility guidelines are different.
- The Qualified Disabled and Working Individuals (QDWI) helps cover Part A premiums.
* If you qualify for any of the following: QMB, SLMB, or QI, then you will automatically qualify for the ‘Extra Help’ program, which helps cover some of the cost for Medicare prescription drugs.
To be eligible for any of these 4 programs, you:
- Need to be enrolled in or eligible for Medicare Part A and meet the resources and income guidelines (Income limits differ by program; resource levels are the same for QMB, SLMB, and QI but not the same for QDWI)
To be eligible for QDWI, you:
- have to be disabled.
For Additional Information be sure to call TEL: 800-541-2831
Naloxone Co-Payment Assistance Program (N-CAP)
The N-CAP program is a pharmacy benefit run by the New York State Department of Health (DOH) AIDS institute for all New Yorkers who have coverage of prescription drugs through their New York health insurance plans. Read More
This program provides the following benefits:
- Co-payments for Naloxone (a drug that reverses overdoses) up to the amount of $40 for each prescription ( billed directly to N-CAP)
- The ability to acquire naloxone using a patient-specific prescription, or through a standing order at over 2000 pharmacies in New York State
- No need for individual enrollment
- Eligibility of pharmacies participating in the New York State AIDS Drug Assistance Program to also participate in N-CAP.
- No or lower out-of-pocket expenses when obtaining Naloxone at a participating pharmacy.
For a list of participating pharmacies: see the link on Naloxone Co-Payment Assistance Program (N-CAP) to Naloxone Pharmacy Directory.
For Additional Information be sure to call TEL: 800-233-7432
“New York Connects – Aged & 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
The center’s staff members receive training and knowledge about programs/agencies that are specifically for older adults and the disabled. Potential issues that may involve this population group include health issues related to nutrition; management of long-term medical conditions; adaptive equipment; assistive technology; long term care options; low-income housing; assisted living; financial issues; elderly and disability benefits; resources related to community and adult protective services.
Help in completing applications for public and private benefits programs such as Social Security, SSI, Medicare, Medicaid can also be provided. ADRC-NY is a federal/state program.
For Additional Information on this New York Health Insurance service be sure to call TEL: 800-342-9871
“PACE-NY- Programs of All-Included Care for Elderly Medicaid Managed Long Term Care”
This program is specially designed for those aged 55 or over who require a nursing level of care. Read More
For most persons enrolled, you must:
- Use PACE doctors
- Be 55 years or over
- Require a nursing facility (defined by NY State’s Medicaid office)
- Be able to reside safely in the neighborhood at the time of initial enrollment
- Live in the service region of a PACE organization.
*For those on this New York health insurance program, you’re allowed to be on Medicaid or Medicare or be dual-eligible; and you may pay privately if you are in either program.
For additional information be sure to call TEL: 800-505-5678
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
This program is available for New York residents of all ages with disabilities, members of their families, service providers, employers, and educators, among others.
For Additional Information be sure to call TEL: 800-624-4143
“Vaccines for Children Program (VFC)” – New York City
This is an established federally funded program that provides both private and public health care centers throughout the New York City region with vaccinations for children that are eligible for free Read More
- Medicaid eligible
- Uninsured
- Under-insured: A child has a private New York health insurance plan but the insurance doesn’t cover children for vaccines or a child whose NY health insurance only covers certain vaccines or a child whose health plan only partly-covers the cost for vaccines.
- Native-American or Alaskan Native
- Enrolled in Child Health Plus B (CHPlus B)
The following children are NOT considered under-insured:
- Children whose New York health insurance plan does covers a part of the cost of the vaccine. As such, it’s the responsibility of the child’s provider to renegotiate the contract with the insurance carrier
- Children whose insurance plan covers the cost of vaccines but who have high deductibles that have not been met.
Vaccines can be provided for diseases such as Diphtheria, hepatitis, influenza, measles, pneumococcal, mumps pertussis, polio, and tetanus.
A child is eligible for this program if he/she is under 19 and meets at least any of the following:
- The child is Medicaid eligible; or uninsured
- The child is American Indian or Alaska Native
- The child is qualified as under-insured
For further details see Vaccines for Children Program (VFC) – New York City and VFC | Parents Questions Answered | Vaccines for Children Program for details such as the maximum admin. fee by state. Or call TEL: 212-447-2574
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
These publicly-funded vaccines include:
- The federal-funded VFC vaccine
- The New York State-funded vaccine
- The New York State Child Health Plus (CHP) vaccine funded by the children’s health insurance plan
Vaccines can be provided for diseases such as Diphtheria, hepatitis, influenza, measles, pneumococcal, mumps pertussis, polio, and tetanus.
A child is eligible for this program if he/she is younger than 19 and meets at least one of the following:
- The child is Medicaid eligible; or uninsured
- The child is American Indian or Alaska Native
- The child is qualified as under-insured
For more information, see Vaccines for Children Program (VFC) – NY State and for details including maximum admin. fee by state: VFC | Parents Questions Answered | Vaccines for Children Program or call TEL: 800-543-7468
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 residents eligible for WIC include those on a low income and those nutritionally at risk. They must also meet one of the following conditions: be pregnant, breast-feeding a baby under the age of 1, recently had a baby, or have an infant or child under the age of 5.
See Women Infants & Children’s Program (WIC) (NY) for further detail or call TEL: 800-522-5006
New York Health Insurance Companies
New York Health Insurance Company Listing
- Aetna
- Affinity Health Plan
- Capital District Physician Health Plan (CDPHP)
- Crystal Run Health Plan
- EmblemHealth
- Empire (BlueCross BlueShield)
- Fidelis Care
- Health Insurance Plan of Greater New York (HIP)
- HealthFirst
- HealthNow (BlueCross BlueShield)
- Independent Health
- MetroPlus Health Plan
- Molina Healthcare
- MVP Health Care (Mohawk Valley Physicians Health Plan)
- Oscar
- Oxford
- United Healthcare of New York
- WellCare of New York
- YourCare Health Plan
- Excellus
- Humana
- Univera
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
County | Aetna | Affinity | Anthem | CDPHP | Crystal Run | Emblem | Empire | Excellus | Fidelis | HealthFirst | HealthNow ENY | HealthNow WNY | Humana | Independent | Metroplus | Molina | MVP | Oscar | Oxford | Univera | United | WellCare | YourCare |
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Albany | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | |||||||||||
Allegany | ![]() | ![]() | ![]() | ![]() | ![]() |
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Bronx | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | |||||||||||
Broome | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ||||||||||||||||
Cattaraugus | ![]() | ![]() | ![]() | ![]() |
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Cayuga | ![]() | ![]() | ![]() | ![]() | ![]() | ||||||||||||||||||
Chautauqua | ![]() | ![]() | ![]() | ![]() | ![]() | ||||||||||||||||||
Chemung | ![]() | ![]() | ![]() | ![]() | |||||||||||||||||||
Chenango | ![]() | ![]() | ![]() | ||||||||||||||||||||
Clinton | ![]() | ![]() | ![]() | ![]() | ![]() | ||||||||||||||||||
Columbia | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ||||||||||||||
Cortland | ![]() | ![]() | ![]() | ![]() | |||||||||||||||||||
Delaware | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | |||||||||||||||||
Dutchess | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | |||||||||||||||
Erie | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() |
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Essex | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | |||||||||||||||
Franklin | ![]() | ![]() | ![]() | ||||||||||||||||||||
Fulton | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ||||||||||||
Genesee | ![]() | ![]() | ![]() | ![]() | ![]() | ||||||||||||||||||
Greene | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ||||||||||||||||
Hamilton | ![]() | ![]() | ![]() | ![]() | |||||||||||||||||||
Herkimer | ![]() | ![]() | ![]() | ![]() | ![]() | ||||||||||||||||||
Jefferson | ![]() | ![]() | ![]() | ||||||||||||||||||||
Kings | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ||||||||||||
Lewis | ![]() | ![]() | ![]() | ||||||||||||||||||||
Livingston | ![]() | ![]() | ![]() | ||||||||||||||||||||
Madison | ![]() | ![]() | ![]() | ![]() | |||||||||||||||||||
Monroe | ![]() | ![]() | ![]() | ![]() | ![]() |
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Montgomery | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | |||||||||||||
Nassau | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ||||||||||||
New York | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ||||||||||||
Niagara | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | |||||||||||||||||
Oneida | ![]() | ![]() | ![]() | ![]() | |||||||||||||||||||
Onondaga | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | |||||||||||||||||
Ontario | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() |
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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 | ![]() | ![]() | ![]() | ![]() | ![]() |
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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 Companies | Individual 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)) |
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Aetna | ![]() | ![]() |
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Affinity | ![]() | ![]() | ![]() | |||
CDPHP | ![]() | ![]() | ![]() | ![]() | ![]() |
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Emblem | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() |
Empire | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() |
Excellus | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() |
Fidelis Care | ![]() | ![]() | ![]() | ![]() | ![]() |
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Healthfirst | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() |
HealthNow WNY | ![]() | ![]() | ![]() | ![]() | ![]() |
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HealthNow ENY | ![]() | ![]() | ![]() | ![]() | ![]() |
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Humana | ![]() | ![]() |
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Independent | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() |
MetroPlus | ![]() | ![]() | ![]() | ![]() | ![]() | |
Molina | ![]() | ![]() | ![]() | |||
MVP | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() |
Oscar | ![]() | ![]() | ![]() |
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Oxford | ![]() | |||||
UHC | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() |
Univera | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() |
WellCare | ![]() | ![]() | ![]() | ![]() |
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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
County | Plan Name | Premium |
---|---|---|
Albany | Fidelis Care Bronze ST | $399.67 |
Allegany | Fidelis Care Bronze ST | $350.60 |
Bronx | Fidelis Care Bronze ST | $402.19 |
Broome | Fidelis Care Bronze ST | $350.60 |
Cattaraugus | Fidelis Care Bronze ST | $402.19 |
Cayuga | Fidelis Care Bronze ST | $350.60 |
Chautauqua | Fidelis Care Bronze ST | $402.19 |
Chemung | Fidelis Care Bronze ST | $386.67 |
Chenango | MVP Premier Bronze 2 | $464.85 |
Clinton | Fidelis Care Bronze ST | $399.67 |
Columbia | Fidelis Care Bronze ST | $402.19 |
Cortland | Fidelis Care Bronze ST | $457.55 |
Delaware | Fidelis Care Bronze ST | $457.55 |
Dutchess | Fidelis Care Bronze ST | $350.60 |
Erie | Fidelis Care Bronze ST | $350.60 |
Essex | Fidelis Care Bronze ST | $386.67 |
Franklin | Fidelis Care Bronze ST | $386.67 |
Fulton | Fidelis Care Bronze ST | $399.67 |
Genesee | Fidelis Care Bronze ST | $350.60 |
Greene | Fidelis Care Bronze ST | $399.67 |
Hamilton | Fidelis Care Bronze ST | $386.67 |
Herkimer | MVP Premier Bronze 2 | $464.85 |
Jefferson | Fidelis Care Bronze ST | $386.67 |
Kings | Fidelis Care Bronze ST | $437.42 |
Lewis | Fidelis Care Bronze ST | $386.67 |
Livingston | MVP Premier Bronze 2 | $348.20 |
Madison | Fidelis Care Bronze ST | $386.67 |
Monroe | MVP Premier Bronze 2 | $348.20 |
Montgomery | MVP Premier Bronze 2 | $411.28 |
Nassau | Fidelis Care Bronze ST | $411.41 |
New York City | Fidelis Care Bronze ST | $437.42 |
Niagara | Fidelis Care Bronze ST | $350.60 |
Oneida | Fidelis Care Bronze ST | $386.67 |
Onondaga | Fidelis Care Bronze ST | $402.19 |
Ontario | MVP Premier Bronze 2 | $348.20 |
Orange | Fidelis Care Bronze ST | $457.55 |
Orleans | Fidelis Care Bronze ST | $350.60 |
Oswego | Fidelis Care Bronze ST | $386.67 |
Otsego | MVP Premier Bronze 2 | $464.85 |
Putnam | Fidelis Care Bronze ST | $457.55 |
Queens | Fidelis Care Bronze ST | $437.42 |
Rensselaer | Fidelis Care Bronze ST | $399.67 |
Richmond | Fidelis Care Bronze ST | $437.42 |
Rockland | Fidelis Care Bronze ST | $437.42 |
St. Lawrence | Fidelis Care Bronze ST | $386.67 |
Saratoga | Fidelis Care Bronze ST | $399.67 |
Schenectady | Fidelis Care Bronze ST | $399.67 |
Schoharie | MVP Premier Bronze 2 | $411.28 |
Schuyler | Fidelis Care Bronze ST | $402.19 |
Seneca | MVP Premier Bronze 2 | $348.20 |
Steuben | Fidelis Care Bronze ST | $402.19 |
Suffolk | Fidelis Care Bronze ST | $411.41 |
Sullivan | Fidelis Care Bronze ST | $457.55 |
Tioga | Fidelis Care Bronze ST | $402.19 |
Tompkins | MVP Premier Bronze 2 | $472.19 |
Ulster | Fidelis Care Bronze ST | $457.55 |
Warren | Fidelis Care Bronze ST | $399.67 |
Washington | Fidelis Care Bronze ST | $399.67 |
Wayne | MVP Premier Bronze 2 | $348.20 |
Westchester | Fidelis Care Bronze ST | $437.42 |
Wyoming | Fidelis Care Bronze ST | $350.60 |
Yates | MVP Premier Bronze 2 | $348.20 |
New York Health Insurance By County
- 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