Personal professional enrollment support is available for all of the benefit plans listed on this page. Send your question by e-mail for fast OnlineAdviser response. Limited telephone support (800) 609-0683. Office hours posted daily on Twitter @FreedomBenefits     Most Liberal Eligibility Value 24 Hour Accident - up to $10,000 of supplemental health insurance coverage for emergency treatment of injuries at a cost of about $2 per day. Can be used as a stand-alone coverage or added to other insurance. Most Affordable Long Term Major Medical Dental Insurance Secure DentalOne - one lifetime deductible of $100 and then up to $1,250 per year coverage Online Life Insurance Great Start Child Life Insurance - inexpensive permanent insurance that can be gifted by parents and grandparents Guarantee Trust term life Insurance International Term Life - up to $2 million coverage issued by Lloyds online specifically for those who spend time outside of the US Simple whole life insurance - the fastest way to get affordable permanent coverage up to $50,000. Online underwriting, no exam. Smart term life insurance - up to $500,000 coverage directly online without an exam or blood test QuoteIntelligence Term life insurance - find the lowest rates, compare features & eligibility requirements and then apply online with the best insurance companies in less than 30 seconds.

New York health insurance exchange New York has 10 state-sponsored health plans and 31 commercial small group health insurance plans but relatively few commercial insurance companies that issue individual health insurance. Most available coverage options are managed care or HMO plans. These standard health insurance plans may not be affordable to all residents. This Web page lists the few popular low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation. New York insurance & benefit news New York had the 15th highest health insurance costs of all states in 2008 with an average family premium of $12,824 per year. (The average annual premium for a U.S. family covered under an employer-sponsored health plan in 2008 was $12,298 according to The Commonwealth Fund report. The overall quality of health care ranked 21st out of the 51 states (including DC). New York regulates the benefits required for both individual major medical and group health insurance plans, known as "mandated benefits". Short Term Insurance Intermediate Term Inbound Immigrant - up to five years of liberal health insurance coverage after immigration including maternity coverage, emergency and other essential benefits Supplemental Insurance Smart Accident Insurance - supplemental coverage for emergency treatment of accidents and injuries for as little as $20 per month. Can be used as a stand-alone accident plan or to increase other insurance benefits. New York Insurance Law The New York Department of Insurance Web site contains consumer help sections for each type of insurance including a section on financially assisted health plans and Medicaid.  The Web site has not yet developed resources to help individuals find commercial low cost health plans like mini-med or core coverage, specific illness policies, supplemental insurance and basic health insurance. The state insurance department can be reached by telephone at (212) 480-6400 or by mail at 25 Beaver Street New York, NY 10004. The state children's health insurance plan (CHIP) Web site is New York Child Health Plus. Non-insurance Discount Plans Careington PPO Discount Plans - the nation's leading network PPO discount provider allows a no-risk trial of any discount plan for only a $20 processing fee Drug Card America - a free prescription drug card that an be used nationwide Essential Dental Solutions - simple, inexpensive, no waiting period, up to $500 treatment per year Rx Pay Card - $10, $20, or $30 payments for hundreds of popular prescriptions. See International Coverage and Travel Insurance Listings

New York Insurance News

2/17/2011The New York Department of Health was granted more than $27 million by the U.S. Department of Health and Human Services to design and develop a health insurance exchange to serve all New York state consumers.

2/3/2011 New York is named as one of the states most likely to cut back on Medicaid spending and coverage. The Universal Health Insurance blog discusses the impact on the state's commercial insurance consumers. The 140 page proposal of 49 ways to cut the state's Medicaid spending is available for public comment.

12/16/2010 New York Department of Insurance officials met representatives of 44 other states and numerous employees of the federal Health and Human Services Department in Washington DC this week for a two-day working meeting to discuss the next steps in establish a government-run health insurance exchange under the American Health Benefit Exchange Model Act. Their attendance at this meeting was paid for by a $1 million federal grant awarded by HHS in September to the state for research how to set up an insurance exchange. Two states (Alaska and Minnesota) declined to participate, saying that it was a waste of taxpayer money. Four other states (not identified in press reports) that received federal grants did not send representatives to the meeting. Attendees included representatives of 16 states that are suing the federal government in an attempt to overturn the federal health reform law; specifically the requirement that forces individuals to buy health insurance on the insurance exchange or pay a hefty tax fine.

In its initial federal grant request for the insurance exchange project, New York said that it would: 1) Determine whether its current insurance regulations that go beyond the protections of the Affordable Care Act should be maintained or whether they need to be modified to limit adverse risk selection in the Exchanges, 2) Compile and evaluate background research from current research platforms and private funding by January 2011, 3) Engage stakeholders in the evaluation, planning and development process throughout the one-year planning period, 4) Evaluate the extent to which New York can or should integrate and build on existing programs, as appropriate, 5) Identify and utilize existing resources and capabilities, as appropriate, throughout the one-year planning period and determine the need for additional resources, 6) Design Exchange governance structure and draft legislation, if required, 7) Evaluate financial accounting, auditing, and reporting requirements and potential pathways to securing compliance, 8) Identify existing technical infrastructure resources and needs, 9) Create business operations plan and policies for Exchange, and 10) Identify legislation and regulations needed to create, promote and regulate the Exchange.

The meeting reportedly did not address the role of the commercial health insurance exchanges on the implementation of new competing government systems. The model act does not address inter-state insurance exchange proposals nor insurance sales across state lines. Federal officials admitted that they may not be able to provide further guidance until 2012. Meanwhile, most states are motivated to continue to meet requirements to obtain additional funding promised by the federal government for the establishment of insurance exchange by 2014. Freedom Benefits has previously voiced the opinion that the huge amount of money being spent to set up alternate insurance sales system technologies could be better used providing health benefits to the public. We proposed on the Universal Health Insurance blog that adequate commercial insurance sales systems are already in place that could be modified in a public/private partnership to make health insurance more affordable.

12/8/2010 Just for further clarification, Core Health Insurance and Short Term Medical Insurance is not available in New York. See further discussion in the article "Core Health Insurance in New York" and the most recent blog posting "

5/13/2010 Diabetes Coverage: A new resource to help find health insurance for diabetics in New York is now available at Freedom Benefits.

5/2/2010 A new article titled "Core Health Insurance in New York" details the additional benefits provided by United States Fire Insurance Company under New York state mandates. These state-specific benefits are provided in addition to the standard schedule fo benefits provided in other states.

3/23/2010 The Department of Insurance announced that New York HMOs had premium increases of 17 percent on average this year, with some increases as high as 51 percent.

 10/7/2009 Aetna introduced a new portfolio of low cost insurance plans for small businesses. The lowest cost option option is $224 per person per month. The plan will be introduced to brokers in two weeks through a series of training seminars.