Individual Health Insurance NY – Family Health Plans
If you’re looking for an Individual Health Insurance plan in New York or a health plan for your family, we offer private health plans from the following insurance companies: Care Connect, MVP, Oscar and Association Plans.
Scroll down to view and download the rates and program features.
Private Health Plans – Not Obamacare
Our individual health insurance plans are not ObamaCare or part of the public exchanges. Our plans are private insurance plans that you can purchase through us as independent brokers. There are no fees for our service and you will have a real person to talk to if you need some help.
CareConnect Individual Health Plans:
Please note: CareConnect has announced withdrawal from the New York marketplace and will no longer be offering individual health insurance plans.
You can read the full story here: Adios CareConnect
CareConnect is our low cost leader with health plans at about 20% less than most other carriers. They have a great network in southern New York State so if you live in the 5 boroughs, Long Island or lower Westchester County, you will find a great network of doctors and hospitals.
CareConnect plans are EPO health plans that do not require referrals. They utilize the NorthWell Health Care System and CVS Minute Clinics for emergency care.
Association Health Plans
2018 Rates are now Available!
These are private health insurance plans offered through national associations that allow members to use their large networks of health providers.
Technically, association plans are group health plans that offer health insurance, dental and vision plans for individuals and family members.
Once you join the association – usually by paying an annual fee – you have access to networks such as: Empire Blue Cross, HIP, Magna Care, Cigna and more.
In-network and out-of-network coverage is available. A total of 12 health plans are available through 2 associations that we are affiliated with.
For questions, rates and programs available, please fill out the Green request form at the top of this page.
MVP (Mohawk Valley Physicians)
MVP was founded by a group of doctors in upstate New York. The company has more than 750,000 health care providers and a great network of doctors and hospitals throughout upper New York State.
MVP Does NOT offer a good network of doctors and hospitals in New York City and the Boroughs. However, they have recently expanded their network in southern New York State counties such as: Westchester, Putnam and Rockland. If you live north of New York City you will find good health care coverage.
MVP offers HMO network plans on all ACA Metal levels: Platinum, Gold, Silver and Bronze.
4 new plans for 2018 include their National network with coverage through Cigna.
Oscar Individual Health Plans
Get a health insurance quote from Oscar here: https://www.hioscar.com/get-quote/2010247
Oscar is a start-up health insurance company founded in 2014. They claim they are a different kind of health insurance company that utilizes technology to help their customers find medical care.
Their online website promotes the use of Telemedicine (chat with a doctor) – before you make an appointment to go to the emergency room or go see your doctor. Telemedicine is a growing concept which saves both the insurance company and their customers money.
Oscar’s primary networks of hospitals and doctors serve policyholders in New York City, Brooklyn, Queens, Bronx, Staten Island and some areas in Long Island. If you live in these locations, you will find a good network of providers.
Download rates, plans and network providers (PDF) by clicking the links below:
Frequently Asked Questions
What does health insurance do?
To some, this may seem obvious but health insurance helps you pay for medical expenses if you become sick or injured. Everything is covered from annual physicals, injury, sickness, emergency room visits and prescriptions too.
Why do I want health insurance?
It’s mandatory! If you don’t have health insurance, you will be charged a fine (Individual mandate penalty).
Of course, there are good reasons to get health insurance such as keeping you and your family healthy and covering health care expenses if you get sick.
The leading cause of bankruptcies in America are the result of people not being able to pay their medical bills.
Can I buy health insurance whenever I want?
Sorry but no. Individual health insurance can only be bought during open enrollment. For 2017, open enrollment was November 1, 2016 through January 31, 2017.
If you missed open enrollment and do not have a qualifying life event (see below) you should look into our Association Plans above.
Special Enrollment Period – If you qualify
The special enrollment period allows you to qualify for health insurance even if you missed open enrollment. These life events are:
- Getting married
- Having a baby
- Adopting a baby
- Losing employer coverage
- Moving to another state
What about subsidies?
Our private health plans do not qualify for subsidies. If you buy your health plan on the state or Government exchanges and make less than $40,000, you might qualify for a subsidy.
You can use this subsidy estimation tool or to see if you qualify for a subsidy.
Is Individual Health Insurance Right For You?
A New York private individual health insurance plan may be right for you if:
- You Don’t Want Obamacare
- You Don’t Qualify For a Subsidy
- You Need Health Insurance to Avoid the Penalty
- You Are Self Employed
- You Lost Your Sole Proprietor Plan
- You Are Employed But Your Employer Does Not Offer a Group Health Plan
- You Are Enrolled in a Group Health Plan But Your Employer Does Not Cover Your Spouse or Dependents
- Your Employer Sponsored Group Health Plan is Too Expensive
- Your Employer Group Health Plan Does Not Meet Your Benefit Needs
Call us now toll free at: 800-514-3513 with any questions or fill out the form on this page for more information.