New York small business health insurance quotes
View New York health insurance quotes (2 to 50 eligible employees).* Please contact me if you have any questions or you would like a customized quote or to purchase a plan. Thank you. (Scroll down passed the group quotes to view the Sole Proprietor health and dental plans).
1st quarter 2012 monthly rates. (New York health insurance quotes 2 to 50 employees) ( 2nd quarter rates will be posted soon. Contact us today if you need 2nd quarter rates)
Click the links to display the current New York small business health insurance rates and benefits in NY state (PDF format).
1. EmblemHealth EPO and PPO plans Large New York network, no referrals, large national network, EPO plans offer $0 co-pay for children's office visits. HSA plans offer very low cost premiums. These plans give your employees national coverage. These plans require a minimum 50% enrollment (after valid wavers) of your full time employees to qualify. These plans are available in all NY State counties. Uses the Multiplan network nationally.
1a. Emblem Comprehealth HMO Plans are traditional HMO plans with low copays and low monthly premiums. Available for Long Island, New York City and Westchester small businesses only. Very limited network of providers. Will enroll down to one eligible employee if there are 2 to 50 employees eligible.
2. Oxford Health Plans (a Unitedhealthcare company) EPO, POS and HSA plans are very affordable, 2 Great networks to choose from, Freedom and Liberty. These plans give your employees national coverage. These plans can enroll down to one employee from groups of 2 to 50 employees. Available in all downstate NY counties up through Ulster and Sullivan Counties. Uses the UnitedHealthcare network outside of the tri-state area. Oxford sells its plans with or without prescription plans, If you are interested in quotes without prescription plans please contact us for custom quotes. Oxford will now require 51% minimum employee participation after valid waivers( effective 2/15/12 for new business), also Oxford will allow for up to 75% out of area employees, this will be good for groups terminating from Empire with high out of area employee enrollment. Oxford will still allow for executive carve outs, but Oxford has to be the sole insurance company for the business.
2a. Oxford Health Plans Liberty HMO is a very low cost traditional HMO plan with low copays and a very good network of providers. Can enroll down to one employee from groups of 2 to 50 employees. Available in all downstate counties ( Nassau, Suffolk, New York City, Westchester, Orange, Putnam, Rockland and Dutchess Counties). The Liberty HMO still has no participation requirements, This is the best option for groups that will be enrolling less than 50% of full time employees after valid waivers.
3. Empire Blue Cross Blue Shield Plans is scaling down their small business health plans. If your small business currently has Empire Blue Cross, please contact us for an alternative insurance company.
4. HIP Health EPO & PPO Plans includes preventative dental and vision. Good local network, no referrals, large national network. Great family rates. Available in New York city, Long Island, Westchester, Rockland and Orange Counties. These plans require a minimum 50% enrollment (after valid wavers) of your full time employees to qualify ( minimum of 2 employees must enroll ). Uses the PHCS network nationally. Only downstate carrier to still pay at 80 UCR on out of network claims with PPO plans.
4a. HIP Health Plan of NY HMO Plans includes preventative dental and vision. Good local network, with or without referrals. Great family rates. Available in New York city, Long Island, Westchester, Rockland and Orange Counties. No minimum employee participation, will enroll down to one employee from groups of 2 to 50 employees.
4b. HIP and Emblem EPO & PPO quotes through the Long Island Association. These quotes are good for businesses located on Long Island, New York City, Westchester and Rockland counties. The LIA offers your employees a menu of health insurance choices under one group bill.
4c. Oxford, HIP, and Emblem quotes through Health Pass. Like the Long Island Association Health Pass offers your employees a menu of choices under one group bill. These quotes are good for businesses located on Long Island, New York City, Westchester, Rockland, Putnam, Orange, Ulster, Dutchess and Sullivan Counties
5. Aetna EPO, PPO and HSA qualified high deductible plans are available in all counties in New York State. Aetna requires 50% enrollment (after vaild waivers) of your full time employees to enroll to qualify for these plans. Very good local and national network.
5a. Aetna NYC Community plans are very low cost HMO plans for businesses located within New York City only. Limited NYC network, approximately 25% of the NYC Aetna providers accept this plan. These plans will enroll down to one employee from groups of 2 to 50 employees.
6. Empire Blue Cross http://www.27east.com/news/article.cfm/East-End/404493/Source-Empire-Blue-Cross-Blue-Shield-Set-To-Drop-Most-Of-Its-Small-Group-Plans-In-New-York This article is reporting Empire Blue Cross Blue Shield is preparing to leave small businesses high and dry. Contact me to obtain new health coverage with a different insurance company.
7. MVP Health Care has a good network of doctors throughout New York State. MVP is available In most counties North of NY City. MVP EPO, PPO and high deductible Plans require at least 75% of your full time employees to enroll (after valid waivers). HMO plans will enroll down to one employee of groups of 2 to 50, HMO plans have no participation requirements.
8. UnitedHealthcare Is one of the largest health insurance companies in the country. Very good local and national network. Available in all New York counties in upstate NY North and West of Ulster and Sullivan Counties, all other New York counties are serviced by Oxford Health Plans ( a UnitedHealthcare company ).
9. CDPHP: EPO plans are a good value with low rates in Eastern and Central New York State. These plans will require a minimum of 50% enrollment of all full time employees to qualify. PPO plans and high deductible plans are also available, contact me for additional customized quotes. CDPHP has the most choices of deductibles and copays of any NY state health insurance company. Very good no referal coverage with national network access using the First health national network outside of New York.
10. Excellus Blue Cross Blue Shield Has PPO and High deductible plans in three regions in NY state ( Utica region, Syracuse region and the Rochester region) These three regions cover from Delaware county up to Clinton county and as far west as Stueben, Monroe and Livingston Counties. Excellus also offers sole proprietor plans in these areas.
11. Independent Health Buffalo region (Allegany Cattaraugus, Chautauqua, Erie, Genesee, Niagara, Orleans and Wyoming counties).
13. Univera Healthcare Buffalo region (Allegany, Cattaraugus, Chautauqua, Erie, Genesee, Niagara, Orleans, and Wyoming counties). Univera also offers sole proprietor plans in these counties contact me for quotes.
14. Healthy NY is a New York state subsidized health insurance program available in all NY counties. Your business must qualify for these plans Eligibility Criteria for Small Employers NY State updates these rates.
Contact Us Purchase Plan Customized Quote
NY DBL rates 1 to 49 employees consumer guide to group health insurance
NY sole proprietor health and dental insurance quotes, includes self employed and 1099 employees.
1. HIP PPO New York City, Long Island, Westchester, Rockland & Orange counties. Plan runs 4/1/11 to 4/1/12
2. Oxford Health Plans New York City, Nassau and Suffolk counties. 1st quarter 2012 rates.
3. EmblemHealth downstate New York Region. High deductible HSA qualified plan. Very low cost plan with a high deductible. Other regions are available call for rates. 1st qtr 2012 rates for New York City, Long Island, Westchester and Rockland Counties.
4. GHI 1st qtr 2012 rates New York City, Long Island, Westchester and Rockland Counties. Other NY counties available call or email for quotes.
5. Nu Era sole proprietor or 1099 plans from Oxford (NY, NJ), Cigna (NY, NJ), Horizon ( NJ, CT), HIP (NY), and Amerihealth ( NJ ) Call me for rates and benefits.
6. Excellus Blue Cross Has PPO and High deductible plans in three regions in NY state ( Utica region, Syracuse region and the Rochester region) These three regions cover from Delaware county up to Clinton county and as far west as Stueben, Monroe and Livingston Counties. The sole proprietor quotes are listed on the small group quote page. 1st quarter 2012 rates.
7. Univera Healthcare Buffalo region (Allegany, Cattaraugus, Chautauqua, Erie, Genesee, Niagara, Orleans, and Wyoming counties).
The sole proprietor quotes are listed on the small group quote page. 1st quarter 2012 rates.
8. CDPHP EPO plans are a good value with low rates in Eastern and Central New York State. PPO plans and high deductible plans are also available, contact me for additional customized quotes. CDPHP has the most choices of deductibles and copays of any NY state health insurance company. Very good no referral coverage with national network access using the First health national network outside of New York and Magnacare network in the NY city , long island, westchester and Rockland counties. Not all plans are available for sole proprietors. Please add 14% to the CDPHP small group rates that are posted for a self employed, sole proprietor or 1099, contact us for a custom quote and enrollment applications.
Individual dental plans from Guardian, and Healthplex for NY and NJ. Also available; Solstice PPO dental, with no waiting period for major services and it's available nationwide.
NY individual HMO rates by county
* Listed here are the current Hot selling small business health insurance New york state plans. These rates are good for businesses in NY with 2 to 50 eligible employees. Some of these health plans will allow one employee to enroll as long as there are at least two eligible employees in the business. If your business does not have any employees, you can enroll in the sole proprietor health plans. These rates are monthly premiums and are good for a 1st quarter 2012 effective date (January 1 thru March 15, 2012) unless marked otherwise. Prices are guaranteed for 1 year from the health insurance companies unless marked otherwise. If you want a custom quote, please complete the request for quote form. Custom quotes will give you a more exact pricing for your business. Pricing can be dependent on many factors including location, amount of employees and demographics. Also benefit options can be better tailored with a custom quote. Custom quotes, for businesses with 2 to 50 eligible employees, located in NY, will be turned around in one business day. Businesses with more than 50 eligible employees must be custom quoted by the insurance companies and can take up to two weeks. If you have any questions or want to purchase any of the listed Hot plans listed here, please contact us or call Cliff Grekin directly at 631-963-6020. Thank you for visiting today.
Here are just a few of the health insurance companies and organizations that we represent.
                 
The counties that we service in New York State:
Albany, Clinton, Essex, Fulton, Montgomery, Rensselaer, Saratoga, Schenectady, Schoharie, Warren and Washington Allegany, Cattaraugus, Chautauqua, Erie, Genesee, Niagara, Orleans and Wyoming Bronx, Kings, Manhattan, Nassau, Queens, Richmond, Rockland, Suffolk, and Westchester Columbia, Delaware, Dutchess, Greene, Orange, Putnam, Sullivan, and Ulster Livingston, Monroe, Ontario, Seneca, Wayne and Yates Broome, Cayuga, Chemung, Cortland, Onondaga, Schuyler, Steuben, Tioga and Tompkins Chenango, Franklin, Hamilton, Jefferson, Lewis, Madison, Oneida, Oswego, Otsego and St. Lawrence Counties
The regions that we service are:
Albany, Buffalo, New York City, Long Island, Mid Hudson, Rochester, Syracuse, Utica and Watertown.
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