We Make Shopping for 2025 Small Business Health Insurance Plans Affordable & Easy

(To view quotes, click on the insurance company quote links listed below)
Call or write us with any questions or to purchase a plan.

                                            We also have available  PPO plans for the Self-Employed     
                                                  

Our plans are listed in order of current sales popularity:

1. The NY Small Group Plans National Elite Exchange: 
Save 30% or more vs Oxford, Aetna or Empire/Anthem.  No participation requirements.
Offer your employees any combination of plans 1A, 1B, 1C, or 1D with or without dental & vision on one group bill.

1A.  Patriot PPO Health Plans: Anthem Blue Cross(national network), Cigna(national), PHCS(national) or Qualcare(NJ) PPO's for individuals, the self-employed or groups:    (View Quotes)    (View 1000 SBC)   (View 3000 SBC)  (View 6000 SBC) 

These plans use the national Anthem Blue Card PPO network, Cigna OAP network or the smaller Multiplan PHCS network or the NJ only Qualcare network.    These plans renew 12 months after enrollment.  Enrollment can be the 1st of the month for any month of the year. The deadline for enrollment is the 18th of the month prior to the effective date.   Prices start at $607.00 per month.

1B. Patriot MEC & MVP Health Plans: National Cigna and PHCS network plans for individuals, groups or self-employed (View Quotes) (View Ultra MVP SBC)      (View Ultra MEC SBC)    (View Essential benefit Summary) 
These MEC plans are our lowest cost plans that includes hospital in-patient benefits and surgical benefits.   These are $0 deductible plans with maximum visits per plan year for most services.  Premiums start at $456.50 per month.

1C. Premier Major Medical: Anthem (Blue Cross), Cigna & Northwell Health PPO & EPO National plans for self-employed or groups: (call for quotes)
These plans are available using the Cigna national OA Plus network, the Anthem Blue Cross National Blue Card network and the new Northwell Health network.   These PPO plans are available nationally.  These plans all renew every January 1.  These plans are great for the self-employed or groups, no group participation requirements and rolling enrollment all year.  Contact us today for information and quotes for these plans.  Eleven plan designs available.  Plan concierge included.  Guaranteed renewable.  You will save thousands per year in premiums.  Plans start at $761.00 per month per person. 

2. Oxford Health insurance for small business groups (View Quotes)

 (a UnitedHealthcare company) EPO, PPO, and HSA plans are available for your employees.  70% of small businesses, in downstate NY, that offer health insurance to their employees, use Oxford health insurance. Oxford offers three networks to choose from, Freedom, Liberty and Metro.  Freedom and Liberty plans gives your employees national coverage (with the UnitedHealthcare Choice Plus network for Freedom and the UnitedHealthcare Core network for Liberty).  Oxford allows for class carveouts, as an example you can set up the company Executives on an Oxford Freedom plan and the staff on an Oxford Metro plan or on the MagnaCare association plan.  Available in all downstate NY counties up through Ulster and Sullivan Counties.  2nd quarter 2025 and 3rd quarter 2025 rates posted.                      
Oxford health insurance doctor search

3. Professional Employer Organizations or "PEO's" (contact us for quotes)

1 in every 7 small business has saved 15% to 40% off of their current small business health plan rates with a comparable PEO health plan.   If your small business has 10 to 99 employees, is a predominantly white-collar business with younger employees (under 40 years old on average), with strong health insurance participation (65% or more of employees enrolled in your company sponsored plan), your business can probably save thousands of dollars every year in health insurance and HR costs with a PEO relationship.  PEO's are third party administrators and HR partners for your small business. PEO's group together hundreds and in some cases thousands of small businesses to offer large business health plans to small businesses. Our PEO partners typically use Aetna, Empire, Oxford, Cigna or UHC health insurance as their insurance carrier. PEOs typically work with white collar and grey collar businesses.   We broker for many of the top PEO's.   Contact us for your businesses free no obligation consultation and custom PEO quote and see if a PEO relationship is right for your business.

4. Anthem Blue Cross (View Quotes)
 Empire and Anthem will have plans available with the full EPO / PPO network, plans with the slightly smaller Blue Access network, and the smallest network called Connection.  Empire and Anthem will be available for businesses located in New York City, Long Island, Mid-Hudson regions and the Albany region.   All plans can be used nationally.  All plans will not require referrals.  Empire and Anthem will allow almost unlimited out-of-area employees to be enrolled.  2nd quarter 2025 and 3rd quarter 2025 rates are posted.  Anthem Blue Cross Insurance doctor search   Anthem Hospital Chart

5. Multiplan PHCS plan (View Quotes)   
Lowest cost and lowest participation requirement plans, to be compliant with large group penalties.
This plan is very low cost with EPO benefits for businesses with over 100 full time employees in NY with a minimum of 10 enrollments for the MEC plans and a minimum of 5 enrollments for the MV plans to qualify.  All other states a minimum of 10 enrollments will qualify for any size business.  This national PPO plan uses the Multiplan PHCS network in all 50 states. 
These are the lowest cost plans that satisfy the mandate for businesses with 50 or more employees to satisfy the ACA part A and part B penalties.   This plan requires 10 or more employees to be enrolled to qualify. The Choice MV plan at $595 per month is the lowest cost option to satisfy the part A and B penalties.   If a business pays for the lowest cost plan ($54 per month for every full-time employee) both the part A and part B penalty's will not be incurred.   This plan can also be back dated, if required, to save your business the penalty for the whole year or more.

6. Lifeline Medical Plus plan (View Quotes)

These plans are very low-cost Minimum Essential Coverage (MEC) plans.   They Include Wellness & Preventative Care, Telemedicine, Primary Care office visits and specialist Office visits, Urgent Care visits, Lab Work, X-rays and prescription drug benefits.   These plans do not include hospital benefits.   These plans can be used to prevent the part A penalties for businesses of over 50 equivalent full-time employees.