Professional
enrollment support is available for all of the benefit plans listed on this page.
Send your question by
e-mail or live online chat.
Most Liberal Eligibility
Most Affordable
Long Term Major Medical
Dental Insurance
Online Life Insurance
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New York Affordable 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.
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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
Supplemental Insurance
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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
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Consumer Insurance Issues
5/14/2010 Diabetes Coverage: A new resource to help find
health
insurance for diabetics in New York is now available at Freedom Benefits.
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.
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