- Overview Of Health Insurance In New York
- Finding Health Coverage In New York
- Open Enrollment in New York
- New York Health Insurance Quotes
- Compare New York Health Plans Today
- Frequently Asked Questions
Overview Of Health Insurance In New York
New York is known as The Empire State because of the state’s wealth and variety of resources. The state’s most populous city, New York City, makes up more than 40% of the whole state’s population. Altogether, New York state ranks as the 4th most populous state in the country.
New Yorkers rank in the top half of state health rankings coming in at the 19th spot. If you live in New York and are in the middle of looking for health insurance, there are a few things you should consider.
Finding Health Coverage In New York
When most Americans think of what makes someone healthy, they first come up with exercise and eating right. While those definitely play a big role in your healthcare, there is more to taking care of yourself on top of those two things. Another huge part of being on top of your health is by having health insurance. Health insurance plays a key role in preventing any issues from arising later down the road.
When you enroll in health insurance you receive access to preventive services and even a primary care physician. These preventive services can help you create a customized plan based on your medical history to hopefully prevent illnesses later on. If you don’t have coverage, or are looking to switch your plan there are a few ways to handle it. Some of the top providers of medical insurance in New York are:
- Fidelis Healthcare
- Empire Blue Cross
- United Healthcare
- Univera Healthcare
One of the primary ways individuals find health insurance in New York is through the NY State of Health, the state health insurance marketplace. However, one can only get health insurance through the marketplace during the open enrollment period. Even then, marketplace prices without subsidies are not always the most affordable. For those who have a limited amount of income, the New York Department of Health allows individuals to sign up for state Medicaid.
In 2020, insurance in New York was broken down to the following providers:
Open Enrollment in New York
A majority of states follow the dates of the federal Open Enrollment Period, but some states decided to create their own marketplaces which have different timeframes for their Open Enrollment. New York, decided to create their own marketplace but follow the dates of Open Enrollment the Affordable Care Act created. The Open Enrollment period for New Yorkers runs from November 1, 2022 through January 15, 2023. However, these dates may be subject to change. In 2021, due to the public health emergency declared by the state, open enrollment was extended by a month.
Many Americans will find the most affordable health insurance plans in New York during Open Enrollment. During this period people with pre-existing or chronic health conditions can enroll in health insurance without being denied coverage or raising premiums. So if you have illnesses you can get the same coverage as someone who does not. On top of enrolling in health insurance, New Yorkers can apply to qualify for government subsidies which can help save even more money.
New York Health Insurance Quotes
Many Americans find the Marketplace to be a less desirable option because their income is too high to receive subsidies. As a result, these Americans are turning to the private sector to find alternative plans that meet their budget in New York. Fortunately, there are plenty of tools to help you get connected with an insurance plan that fits your needs and your budget.
In 2022, the average costs of health insurance in New York is higher than a large number of states. the lowest-cost bronze monthly premium is $429, while the lowest-cost silver premium is $569, and the lowest-cost gold is $724. By using the right tools to compare various plans, you can find rates that may be even lower.
If you don’t know where to start your search for affordable health insurance in New York, FirstQuote Health can help. FirstQuote Health specializes in helping people find the most affordable coverage without sacrificing quality. All you have to do is enter your zip code to start browsing plans in your area of New York. You can also hop on a call with an experienced agent and they can help you find the right fit with no obligation. Once you get started, you can find coverage as early as the same day.
Compare New York Health Plans Today
Don’t settle for just any health insurance you can get. Find a plan that works for you without breaking the bank by comparing plans and looking at various prices and coverage options. Use FirstQuote Health to help you generate personalized quotes so that you can compare a long list of plan options while bringing you the convenience you deserve.
You should also conduct an internet search for reviews from previous and current members of the providers. This will give you a good feel for how the providers help out their customers. Not all plans fit every person, so you want to make sure you select the correct company. Start finding the right plan for you with FirstQuote Health.
Frequently Asked Questions
How Do You Get Health Insurance in New York?
There are multiple ways to obtain health insurance in New York. One of the main ways that New York residents find health insurance is through the state marketplace during the open enrollment period. Low-income individuals can also apply for Medicaid at any time through the state Department of Health. The other option for finding health insurance in New York is by using an online tool like FirstQuote Health to compare health insurance plans throughout your area.
How Much Does Health Insurance Cost in New York?
As is the case in any state, health insurance costs in New York will vary depending on your medical needs, area, and other important factors. On average, the lowest-cost bronze monthly premium is $429, while the lowest-cost silver premium is $569, and the lowest-cost gold is $724. By comparing various plans, you can find rates that may be lower.
Is Health Insurance Mandatory In New York?
No, health insurance is not mandatory in New York. The Affordable Care Act created the individual mandate, which made health insurance mandatory for all Americans, with some exceptions. In 2019, the individual mandate was eliminated. Afterward, some states implemented their own versions of the mandate, but New York was not one of these states.