New York Health Insurance
Find affordable Individual Health Insurance plans for New York residents quickly by comparing plans online.
What is Individual Health Insurance?
If you do not have access to group sponsored health insurance, individual health insurance is most likely the best option. Essentially, individual health insurance is health coverage that you maintain directly with a health insurance carrier and not via your employer or an association.
Individual Health Insurance Regulations for NY state.
The rules in the state of New York for individual health insurance are different than in most other US states. In New York, insurers are not allowed to turn you down for coverage because of a health condition. There is also a requirement that insurers offer family coverage.
HIPAA eligible individuals have the same rights to individual insurance. There are also specific state laws governing HMO (health maintenance organizations) and POS (point of service plans) in New York. When buying an individual health insurance policy in NY with a pre-existing condition, the maximum exclusion period for the condition is 12 months, and health insurance companies are given the opportunity to check your medical history for six months prior to coverage. The cost of health premiums in New York is determined by community rating.
The following online resource, put together by the Agency for Healthcare Research and Quality, will arm you with the information that you'll need to know to make a more informed and confident decision about your health insurance.
Choosing and Using a Health Plan
Some New York health plans that you should consider, depending on where you live include:
(Some plans may not be available in all parts of the state)
