New York Health InsuranceIndividuals and Families
New York Health Insurance
How to find an affordable plan.
Studies show that New Yorkers pay as much as 26% more for their health insurance than any state in the U.S. In many ways that makes sense to the average resident of the most active and yet most expensive state in the country and some never question it—you should. You don't have to pay such high health insurance premiums to get good quality health care. If you are unemployed, or temporarily without health insurance, New York residents can get state health insurance care through programs such as Family Health Plus that offers adults who are not eligible for Medicaid cheap health insurance. Child Health Plus has good health insurance for the children in the family. Small business owners can find affordable health insurance for their employees through Healthy NY, a program offered by the state. Federal government also offers many programs to help those struggling with the high costs of health insurance. The best way to find affordable New York health insurance is to compare plans and coverage options from multiple health insurance companies. If you are not yet ready to buy, feel free to utilize the many resources on our site to educate yourself about New York health insurance.
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Individual Health Insurance – The Good News and Bad News
Individual health insurance in New York operates under two important government mandates. The first is called "guarantee issue". Guarantee issue means that if health insurance companies sell individual policies in the state they must sell them to all takers. The second mandate is called "community rating". Community rating means that insurers may not charge more or less based on age, sex, or your health. Essentially in New York health insurance must be sold to everyone at the same price regardless of circumstances. While these government mandates were designed to make health insurance more affordable and accessible, they have done the opposite. Many health insurance companies have pulled out of the state collapsing market choices. So the good news is that you can't be denied individual health insurance and can't be charged more just because you are older or not in good health. The bad news finding affordable health insurance, especially for younger and healthier people, is difficult.
Because this is such an important decision it is important to take your time and measure the various quotes against the services offered by each company. Don't settle for just one or two quotes. Get as many as you can. Use the Internet for instant quotes from as many companies in your area as possible. When you are comparing quotes don't just look for the cheapest although cost does matter and you want to keep your insurance affordable remember that cheap is only good if the health insurance plan you choose offers the services you need.
Decide what type of policy works best for you. Learn the differences between HMO, PPO, and POS. Check to be sure each member of your family will get the care they need from youngest to oldest. Child care often means a lot of well-doctor visits as well as emergency room care, and elderly patients require extra provisions and coverage to add to their Medicare plans.
Resources and Information
New York Medicare Plans
Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio. Medicare plan options include Medigap and Medicare Advantage policies:
New York Doctor Directory
Doctors practicing medicine in the State of New York are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.