We are here to provide you, our customer, with everything you need to make an educated decision relative to your new Health Insurance Policy. Unlike every other company you will get no high pressure sales pitch here. Our promise to you is that we will provide you with the top 5 Health Insurance Carriers in New York and allow you to make an unpressured decision. Only speak to a broker if you want to! Your new health insurance policy is only 3 minutes away!
It
is important to understand the New York health insurance regulations
before
applying. New York requires insurance companies to accept individual or
small
business applications on a guaranteed issue basis.Health insurance companies are able to have pre-existing
clauses
for all individuals except those who are HIPPA eligible.The longest a Pre-ex
clause can be is 12
months. In NY, health insurance companies can not base rates on your
health
history, this is known as non-discrimination. No
New York Insurance Company can cancel you after getting sick.
Like
many other New Yorkers, you might find yourself on COBRA and not know
what to
do.COBRA stands
for Consolidated
Omnibus Budget Reconciliation Act of 1985.In short this allows New York Residents to continue
getting their New
York Group Health Insurance even if they are not employed by their
employer
anymore.New York
COBRA Health
Insurance is similar to most other states in the fact it only lasts for
18
months, in most instances.
It
is important to understand that most New York residents that are on
paying for
a NY COBRA Health Insurance Plan are paying a lot of money!There are many options
that are available to
NY residents.Obviously
what you need
depends on your situation but here are most of your options; New
York individual insurance, New
York group insurance, New
York self employed insurance, New
York student insurance, or New
York short term insurance policies are all available. Through
the years we
have found that we can save most clients between 20-50% from what they
are
paying for a comparable NY COBRA Plan.To get a quote just click
here!
New
York Student
Health Insurance
Many
students are in college and find themselves paying a lot for New York
Student
Health Insurance.This
does not have to
be the case.There
are certain
requirements New York has for it’s student health insurance policies,
but for
the most case NY Student Health Insurance is very affordable.To get a quote just click
here!
New
York Short
Term Health Insurance
Short
Term Health Insurance can be very useful if you are in-between jobs,
just
graduated college, or just started a job that has a 3+ month waiting
period
before you are eligible for benefits.New York Short Term Health Insurance is very affordable
and very easy to
apply for.For a
quote just click
here!
QuicklyQuoteMe Recommends
We understand health insurance premiums continue to skyrocket! If you are a relatively healthy individual, or family, we recommend taking a high deductible plan and paying for the smaller medical expenses out of your pocket. In the short term it might seem like not a great idea, but over the long term most people find themselves saving money year after year.
Still have questions? Please fill out our contact form and a licensed New York Health Insurance Professional will contact you.
Not ready to buy but want to stay in contact with us? Input your email address below and we will send you our contact information automatically so you will always be able to come back with questions or to sign up for a policy.
Top Rated New York Health Insurance Companies
Group Health Incorporated – – is New York State’s largest health insurance company; insuring over 3 million members. Since being founded in 1937, GHI has taken over the New York Health insurance market with strong health plans as well as offering 3rd party administration of plans. With a network over over 45,000 doctors you can see why they are the top insurer in New York.
Oxford – was founded in 1984 and is underwritten by United Health Care. Oxford offers a variety of health insurance plans to New York residents. Oxford is a leader in the industry, especially known for giving customers control of their own health care costs.
