Individual Health Insurance NY

Our individual health insurance plans are NOT ObamaCare or part of the public exchanges. These health plans are private insurance plans and do not qualify for a Government subsidy.

You can purchase these plans 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.

These plans are available to Sole Proprietors, LLC, S-Corps or 1099 contractors.

Please note: If you are not self-employed or a 1099 employee, you can still qualify for the association private health plans provided you are gainfully employed – 20 hours/$300 per week.

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

• Anthem Blue Cross – National Blue Card
• Cigna – National PPO
• Emblem – Prime PPO

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.

Also available now in 2022 is Dental and Vision coverage through MetLife and Solstice.

For questions, rates and programs available, please fill out the Green request form at the top of this page.

Individual Non-Association Health Plans:

(You must be employed and work at least 20 hours per week)

HIP/Emblem HMO and Point of Service Plans (6 plans): Uses the popular HIP/Prime network which is accepted from many of the region’s leading doctors, clinicians and facilities, including hospitals and urgent care centers.

Empire Blue Cross Gold, Silver and PPO plans ( 3):  The EPO/PPO Network. One of the largest networks in the New York City area with over 57,000 medical providers and hospitals.

MVP (Mohawk Valley Physicians) – Off Exchange Health Plans

MVP was founded by a group of doctors in upstate New York. The company provides health care coverage for more than 700,000 members across New York State and Vermont.

If you live in Westchester, Putnam, Rockland, and Dutchess County or in upper New York State, you will find MVP individual health plans to have a very strong network of doctors and hospitals.

However if you live in New York City and the boroughs, MVP is NOT for you!  MVP does not offer a network agreement with NYC based doctors and hospitals.

MVP offers HMO network plans on all Affordable Care Act (ACA) Metal levels: Platinum, Gold, Silver and Bronze.

2022 Individual Rates Are Out! Click the links below to download the 2021 rates and plans:

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MVP Find a Doctor

Oscar Individual and Family Health Plans -Off Exchange 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.

Oscar provides high-quality care with partners like Mount Sinai, Montefiore, and Catholic Health Services of Long Island.

Oscar’s New York service area includes New York, Kings, Queens, Bronx, Richmond, Nassau, Suffolk, Westchester, and Rockland counties.

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.

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 2021 rates and plan offerings:

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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 2022, 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 2021 survey by the Kaiser Family Foundation, average premiums for individual coverage cost about $644.91 a month and family coverage is about $1,851.75 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.