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.
Small business federal open enrollment is from November 15th, 2022, until December 15th, 2022, don't miss out!
We also have available PPO plans for the Self-Employed
1. Oxford Health insurance 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). Available in all downstate NY counties up through Ulster and Sullivan Counties. 4th quarter 2022 and 1st quarter 2023 rates posted.
Oxford health insurance doctor search
2. Empire Blue Cross insurance 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 2022 and 1st quarter 2023 rates are posted. Empire Blue Cross Insurance doctor search Empire Hospital Chart
3. Magnacare PPO RBP Quote
Save up to 40% vs Oxford or Empire PPO plans. This plan uses the Magnacare network of Doctors in NY and NJ and the Multiplan PHCS network in all other states. Facility services (hospitals, free standing surgical centers and CT/MRI/MRA/Pet) are contracted at the time of service. This arrangement lowers the cost of the plan dramatically vs traditional plans. These plans require a minimum of 3 employees to be enrolled and a minimum of 15 employees for guaranteed issue (in most cases). These plans have had the lowest annual increases of any health plans. Call or write us for more information.
4. Professional Employer Organizations or "PEO's"
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.
5. Association PPO plans
Save approximately 15% compared to Oxford Freedom PPO or Empire Blue Cross PPO 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. Nine plan designs available. These plans are underwritten for approval. Groups of 1 are OK. If you are looking to add PPO benefits to groups that can't qualify for small or large PPO benefits, for a small % of employees, these plans may be the solution. Contact us today for rates and information.
6. HealthFirst insurance quotes
Save 30% compared to comparable Health plans from Oxford Liberty, Empire Blue Cross, Aetna, and EmblemHealth Prime plans. For small businesses in NY City, Nassau and Suffolk Counties (new for 2022 Westchester & Rockland Counties). These small business plans are the lowest cost fully insured health plans for 2022 in the Metro area. Doctor Search Hospital network Pro plus Dental and vision benefits Added for 2020, Memorial Sloan Kettering Cancer Center 1st quarter 2023 and 4th quarter 2022 rates posted
7. HealthPass insurance quotes
Healthpass is a private small business benefit exchange, Healthpass offers EPO, HMO and POS plans from Oxford, EmblemHealth, HealthFirst and Oscar Health Plans in a private exchange. All of the Healthpass plans are shop certified except for Oxford Liberty. You can offer your employees Oxford, Emblemhealth, HealthFirst and Oscar Health plans all on one group bill. 1st quarter 2023 rates and 4th qtr 2022 rates posted.
8. EmblemHealth insurance quotes
SHOP Certified Low-cost HMO plans with a large provider network called Prime. The Prime network includes the Qualcare network in NJ, and the Connecticare network in CT. Prime is available for New York City, Nassau, Suffolk, Westchester and Rockland counties. This is a very good network of hospitals and doctors. Some plans are no referral (non-gated) some require a referral (gated). EmblemHealth has no participation requirements for their small business HMO plans. 1st quarter 2023 and 4th quarter 2022 rates posted. EmblemHealth insurance doctor search
9. Oscar Health insurance 2023 1st qtr rates 2022 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 offers the lowest cost $0 deductible plan in NY City and Long Island areas (Silver $0) Oscar provider search Oscar Hospitals for 2019
10. Aetna EPO, and HSA insurance quotes
Health insurance plans are available in all counties in New York State. Aetna requires 60% enrollment after valid waivers, (spousal, parental, individual, medicare and medicaid only) of your full-time employees to enroll, to qualify for these plans. Very good local and national network. Very good network of providers, only second to Oxford Freedom and Empire EPO/ PPO in NY. Aetna will allow for up to 50% of out of area employees to be enrolled. Aetna health insurance doctor search 1st quarter 2023 and 4th quarter 2022 rates posted.
11. MVP Health Care insurance 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 2022 and 1st quarter 2023 rates posted. MVP health insurance doctor search
12. Dental Insurance information
we offer many dental plans for small businesses, individuals and families.
13. 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.
14. 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