We Make Shopping for 2023 NY 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. Anthem (Blue Cross) and Cigna association PPO plans: (contact us for quotes)
Currently our bestselling plans. These plans are available using the Cigna national OA Plus network and the Anthem Blue Cross National Blue Card network or the EmblemHealth Bridge network. These PPO plans are available nationally. Contact us today for information and quotes for these plans. Eleven plan designs available. No group participation requirements. Plan concierge included. You will save thousands in premiums.
2. MagnaCare PPO association plan (view quote)
Save up to 50% vs Oxford Freedom Plans. This plan uses the MagnaCare network of Doctors in NY and NJ and the Multiplan PHCS network in all other states. If you are looking for a replacement plan for HealthFirst, this plan may be your best bet as a replacement to keep similar benefits and price. These plans require a minimum of 3 employees to be enrolled or the business owner and at least one employee. These plans have had the lowest annual increases of any health plans. This is a large group association plan that allows for small to mid-size businesses to join and benefit from their low rates. For groups subject to the ACA mandates (50 equivalent full-time employees or more) these plans can cut your employer contributions in half. Call or write us for more information. do a doctor search View Quote
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. Oxford Health insurance (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. 4th quarter 2023 and 3rd quarter 2023 rates posted.
Oxford health insurance doctor search
5. Performance Health National PPO Plans for individuals, the self-employed or groups: (view quotes) and to self-enroll
These plans use the national PHCS network. These plans are self-funded by a large Multiple Employer Trust. 98% acceptance rate. 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 25th of the month prior to the effective date. Prices listed on the website can vary by as much as 25% lower for extremely healthy risks to as much as 40% higher for unhealthy risks. Starting premiums as low as $495 per month for the highest deductible options and a good risk (not best risk). (view quotes) and to self-enroll.
6. Empire Blue Cross insurance (view quotes)
Includes the traditional national EPO/PPO network, largest network of providers in NY. Empire will have plans available with the full EPO / PPO network and plans with the slightly smaller Blue Access network, and the smallest network called Connection. Empire 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 will allow almost unlimited out-of-area employees to be enrolled. 4th quarter 2023 and 3rd quarter 2023 rates are posted. Empire Blue Cross Insurance doctor search Empire Hospital Chart
7.Multiplan PHCS plan (view quotes)
This plan is very low cost with Platinum PPO benefits for businesses with over 100 full time employees in NY with a minimum of 5 enrollments to qualify. All other states a minimum of 5 enrollments will qualify for any size business. This national PPO plan uses the Multiplan PHCS network inn all 50 states. Very low-cost option with Platinum benefit level. ULTIMATE PLAN SUMMARY
8. HealthPass insurance (view quotes)
Healthpass is a private small business benefit exchange, Healthpass offers EPO and HMO plans from Oxford, and Empire Blue Cross, in a private small business exchange. You can offer your employees, Oxford or Empire Blue Cross health plans, and many ancillary insurance options (dental, vision, etc..) all on one group bill. If your business is subject to the ACA penalties (over 50 full time equivalent employees) we can suggest pairing Healthpass with our Magnacare minimum value PPO plans to cut your employee contributions in half. 3rd quarter 2023 rates and 4th qtr 2023 rates posted.
9. EmblemHealth (view quotes) is offering HMO plans. no participation percentage required, very good tri-state Prime network. 3rd quarter 2023 rates and 4th qtr 2023 rates posted.
10. Oscar Health insurance 2023 3rd qtr rates 2023 4th qtr rates
Oscar uses the LI Health Network Hospital system, Mount Sinai Hospital system and Montefiore hospital. Oscar offers high tech concierge service to keep track of your medical needs. Oscar requires 51% enrollment after valid waivers. Oscar is available to small NY businesses in area 4(Manhattan, Queens, Bronx, Staten Island Westchester and Rockland) and area 8(Nassau and Suffolk counties). For 2023, Oscar offers some of the lowest cost, fully insured plans, in Nassau and Suffolk counties. Oscar provider search Oscar Hospitals for 2023
11.MVP Health Care insurance (view quotes)
has a great network of doctors throughout New York State. MVP is available In most counties North of NY City. MVP offers EPO, and high deductible Plans. MVP currently has no minimum enrollment requirements, any group with 2 or more employees can enroll down to 1 employee. With MVP your employees can access the national Cigna PPO network in NY City, Long Island and Nationally outside of the MVP, NY state, service area. In addition, you can enroll out of area employees without restriction into the Cigna network nationally. 4th quarter 2023 and 3rd quarter 2023 rates posted. MVP health insurance doctor search
12. 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.
13. Options Plus MEC plan (view quotes)
These are the lowest cost plans that satisfy the mandate for businesses with 50 or more employees to satisfy the ACA Penalty A. This plan requires 10 or more employees to be enrolled to qualify.
Dental Insurance information
we offer many dental plans for small businesses, individuals and families.
Level funded plans
Level funded plans allow healthy groups to share in surplus premium dollars at the end of every year. Level funded plans are allowable in NJ and CT down to only two employees or more, in NY the minimum FTE(Full time equivalent) number of employees is 100. This is a great option for young healthy groups. Call for more information and quotes, these plans are offered through several insurance companies that we represent.
AFLAC Supplemental Insurance
Offer your employees great supplemental insurance coverage at no direct charge to your business. AFLAC has great short- and long-term disability policies, supplemental hospital insurance, accident insurance and cancer insurance plans. For businesses with 10 or more employees, we will have a top AFLAC agent come to your business and conduct a luncheon information session for all of your employees. Your Employees will love AFLAC insurance products.
AFLAC's top 4 plans. Contact us today for more information or to schedule a luncheon meeting for your employees.
2021 Hospital chart for downstate NY