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New York Health Insurance

Many people today in New York are unable to get group healthcare insurance coverage.  In order to protect their families and their financial stability, these people have the option of taking out individual healthcare policies.  Since the costs of insurance cannot be spread out over a large group of people, the premiums of individual insurance policies can have an impact on a budget.  However, what is the true cost of peace of mind?  If you are looking for an individual healthcare policy, make sure that you understand what is required by law in New York for individual policies and if the state can assist you if you are having trouble getting individual coverage.

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Affordable Health Insurance in N.Y.

New York Individual Insurance Policy Regulations include:

  • Insurance companies are not allowed to reject applicants for individual insurance policies.
  • HMOs must provide a standardized plan so that you can compare pricing.
  • Policies offer community rating where premiums are not affected by age, gender, or your overall health.
  • Policies can exclude pre-existing conditions, or conditions that occurred within the six months prior to issuing a policy, for one year.

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Health Programs for Families in New York

Family Aid Plus is available to adults with qualified incomes and assets between 19 to 64 years old.  Coverage includes hospitalization, prescription drugs, and doctor visits.   Healthy NY is available to those who are employed or have a spouse employed and are not covered by healthcare insurance and have qualified incomes.  There are several packages from which to choose. Deductibles and copays apply.

Family Health Plus is available to those who do not have health insurance, but who make too much money to be eligible for Medicaid.  Services include primary care and hospitalization.  Children Health Plus has two plans to cover children and young adults under the age of 19 who come from qualified, low income families.

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Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.


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Affordable-Health-Insurance.com is not a licensed health insurance carrier, and we are unable to directly issue health insurance policies, or alter existing policies. If you wish to inquire about your current plan, then please contact your health insurance provider. The health insurance policies described on this site may not be available in all states, and we do not guarantee that you will receive any plans described on Affordable-Health-Insurance.com.