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New York Health Insurance

Nowadays health insurance generally comes in two broad categories: individual and group. People looking for individual insurance are usually self-employed, or are employed by a company that does not offer a health plan, or are those who have a family and who want individual insurance for their family members. When you buy an individual insurance, you have to pay an annual premium as well as a deductible for each insured dependent, up to a base amount. If you purchase a group policy instead, you need to pay an annual premium, co-payments payable at each medical service, and a deductible payable before the insurer begins paying for your legitimate medical bills.

New York does not allow insurance companies to deny you individual insurance because of a health problem. HIPAA eligible people enjoy the same rights to individual insurance. Insurers also cannot cancel your insurance on account of illness. If you have a pre-existing condition, New York allows the maximum exclusion period for the condition to be 12 months, and the insurance company does have the right to check your medical history for six months prior to coverage. Elimination riders are not allowed also in New York. Although pregnancy can be treated as a pre-existing condition, it can only be excluded for 10 months. If you have had an unbroken coverage of over 63 days, you are entitled to credit to be given for an exclusion period of a pre-existing condition.

If you are qualified, New York regulations ensure that you cannot be turned down or asked to pay more for your group health insurance because of a health condition. New York also offers special considerations for newborn or adopted, disabled, or full-time student children. Your new boss may ask for a waiting period before offering group insurance, and a new HMO may also require an affiliation period. Insurers can review your medical records for the last six months to find if you have a pre-existing condition. If you have one, the insurer can require an exclusion period of not more than six months under normal conditions. If you have maintained continuous unbroken coverage of over 63 days, you qualify for creditable coverage.

In New York, small employers having staff strength between two and 50 cannot be refused small group health insurance, nor can insurance be cancelled due to illness in the employee group. Small businesses with low income employees can purchase group insurance under the Healthy New York program. If you are interested in joining a purchasing pool for the purpose of group health insurance coverage, contact the New York Department of Insurance. New York allows self-employed individuals to purchase small group health insurance.

Medicaid, Child Health Plus, Family Health Plus, Healthy New York, and Cancer Services Program Partnership are some of the programs in New York that help residents with low to moderate incomes.

As choosing the right quotes are always tough, you should do some research before making a final decision. However, it is better seeking the help of professional health insurance agents and brokers in this regard.

Some leading health insurance providers in New York are Aetna, Empire Blue Cross Blue Shield, Group Health Incorporated (GHI), Guardian, Health Net, HIP Health Plan of New York, Oxford Health Plans and UnitedHealthcare.



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For information on New York and the uninsured contact the New York Department of Insurance at 1-800-342-3736 or (212) 480-6400, or see the department’s website at




New York population statistics from the US Census Bureau.

Cities in New York where Insurance can be purchased: Albany, Amsterdam, Auburn, Batavia, Beacon, Binghamton, Buffalo, Canandaigua, Cohoes, Corning, Cortland, Dunkirk, Elmira, Fulton, Geneva, Glen Cove, Glens Falls, Gloversville, Hornell, Hudson, Ithaca, Jamestown, Johnstown, Kingston, Lackawanna, Little Falls, Lockport, Long Beach, Mechanicville, Middletown, Mount Vernon, New Rochelle, New York City, Newburgh, Orange, Niagara Falls, North Tonawanda, Norwich, Ogdensburg, Olean, Oneida, Oneonta, Ossining, Oswego, Peekskill, Plattsburgh, Port Jervis, Poughkeepsie, Rensselaer, Rochester, Rome, Rye, Salamanca, Saratoga Springs, Schenectady, Sherrill, Syracuse, Tonawanda, Troy, Utica, Watertown, Watervliet, White Plains, Yonkers.

Countries in New York where health insurance can be purchased: Albany County, Allegany County, Bronx County, Broome County, Cattaraugus County, Cayuga County, Chautauqua County, Chemung County, Chenango County, Clinton County, Columbia County, Cortland County, Delaware County, Dutchess County, Erie County, Essex County, Franklin County, Fulton County, Genesee County, Greene County, Hamilton County, Herkimer County, Jefferson County, Kings County (Brooklyn), Lewis County, Livingston County, Madison County, Monroe County, Montgomery County, Nassau County, New York County (Manhattan), Niagara County, Oneida County, Onondaga County, Ontario County, Orange County, Orleans County, Oswego County, Otsego County, Putnam County, Queens County, Rensselaer County, Richmond County (Staten Island), Rockland County, Saint Lawrence County, Saratoga County, Schenectady County, Schoharie County, Schuyler County, Seneca County, Steuben County, Suffolk County, Sullivan County, Tioga County, Tompkins County, Ulster County, Warren County, Washington County, Wayne County, Westchester County, Wyoming County, Yates County.


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