Individual Health Insurance NY – Family Health Plans

Individual health insuranceIf you’re looking for an Individual Health Insurance NY plan for you and your family, we offer private health plans from Anthem Blue Cross, Cigna, Emblem Health, Empire, MVP and Oscar.

These health plans are perfect for sole proprietors, 1099 contractors or individuals who do not want Obama Care.

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. These health 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.

Association Health Plans

These are private health insurance plans offered through 2 employer associations that allow members to use their large networks of health providers.

New For 2020: You must be a Sole Proprietor, Individual LLC or 1099 contractor to qualify for these association plans. Association Plans are group health plans that offer health insurance, dental, vision and life insurance for members.

Once you join the association – usually by paying an annual fee – you have access to networks such as:

  • Anthem Blue Cross
  • Cigna
  • HIP/Emblem
  • Empire Blue Cross

In-network and out-of-network coverage is available. A total of 16 PPO, EPO and HMO health plans are available through 2 employer 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) – Off Exchange Health Plans

Scroll down to the links to instantly download the rates and summary of plans that are offered.

This company was founded by a group of doctors in upstate New York. They have 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, unless you choose the Bronze, National High Deductible Health Plan (HDHP) which includes the Cigna network.

Members enrolled in the Bronze National plan have access to the Cigna HealthCare network – giving members full national coverage by allowing them
access to providers outside of the MVP regional network.

MVP has a very strong 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.

2020 Individual Rates Are Out! Click the links below to download the 2020 rates and plans:

MVP Find a Doctor

Oscar Individual and Family Health Plans

Oscar began offering health insurance back in 2012. Even though they are a new-comer to the insurance business, they have been aggressively expanding their network of doctors and hospitals in the lower New York region.

The company offers on-exchange and off-exchange plans from all metal tiers that conform to the requirements of the Affordable Care Act (ACA). There are 3 health plans available in each metal tier of Bronze, Silver and Gold. 1 Platinum plan is available.

Individual and family plans are part of their “Circle” network, not the “Circle Plus” network, which covers their business clients. The “Circle” network of doctors and hospitals is very strong in the Bronx, Brooklyn, Manhattan, Queens, Staten Island and Nassau County.

Suffolk County and Westchester County network coverage is growing but it would be best to call your doctor or health provider before signing up for a health plan in these areas.

Click the links below for rates and plan offerings:

Oscar-2020-new_york_plan rates
Oscar Find Your Doctor

Frequently Asked Individual Health Insurance 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?

According to the Kaiser Family Foundation, more than a 25% of U.S. adults can’t pay their medical bills. In fact, the number 1 reason people file for bankruptcy, is not being able to pay their medical bills.

Of course, there are other good reasons to get health insurance such as keeping you and your family healthy and covering health care expenses if you get sick.

Can I buy health insurance whenever I want?

Sorry but no. Individual health insurance can only be bought during open enrollment. For 2020, open enrollment has begun!

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:

  1. Getting married
  2. Having a baby
  3. Adopting a baby
  4. Losing employer coverage
  5. Moving to another state

How much does individual health insurance cost?

According to a 2018 survey by the Kaiser Family Foundation, average premiums for individual coverage cost about $574 a month and family coverage is about $1,630 per month.

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 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: 800-234-3702 with any questions or fill out the form on this page for more information.

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