New York Health Insurance - NY Medical Insurance (2023)

Find group health insurance in NY

New York Health Insurance - NY Medical Insurance (1)

New York Group Health Insurance Made Easy with eHealth

Shop New York health insurance plans for your small business! eHealth's licensed agents can provide personalized recommendations and guidance through the application and enrollment process. Compare free quotes with no expectations to enroll and no pressure from our agents.

We're your advocate

If you ever need help dealing with the health insurance company regarding claims, billing or need any assistance, we'll be there for you.

We have the best prices

Prices are fixed by law. We will have the best prices on any health plan we sell.

We're unbiased

We will empower you with decision making tools so that you decide what health plan is best for you.

eHealth can help with health reimbursement arrangements

Individual Contribution Health Reimbursement Arrangement, also known as ICHRA, offers many advantages over traditional group plans. ICHRA may be right for you if you want greater control of costs while giving your employees more flexibility in choosing their ideal health plan.

ICHRAGroup Health Insurance
Reimbursement modelEmployers choose contribution amounts based on employee class and family size.Employers offer a plan, or a selection of plans to employees - and if the employer chooses - their employees' families.
Is minimum participation required?NoYes
Employer contribution limitsNo minimums or maximumsNo. However, in order to be eligible for the Small Business Health Care Tax Credit, employers must contribute 50% or more of the cost of premiums for all full-time employees.
Employer eligibilityEmployers of any size with at least one other employer (other than their spouse).Generally, small employers with 1-50 employees are eligible for SHOP. Employers of any size can offer group coverage.
Employee eligibilityAny employee classes of the employers' choosing, including part-time and seasonal workers, so long as they have minimum essential coverage.Any employee classes of the employers' choosing
Coverage flexibilityEmployees choose their health insurance plan and what healthcare purchases they make so long as they are qualifying expenses. If they choose to leave the company, they can keep their current plan.Employees have a plan or selection of plans to choose from that offer minimum essential coverage based on what the employer chooses to offer.
EnrollmentEmployers can enroll any time of the year. Employees with an ICHRA election will be offered a special enrollment period.Small businesses can generally enroll during any time of the year.
Tax informationICHRA reimbursements are not taxed to the employee. However, if an employee accepts an ICHRA offer they cannot receive premium tax credits.Group health plan contributions are generally not taxed to the employee. However, in order to offer a SHOP plan the employer must be eligible for the Small Business Health Care Tax Credit - which means they must contribute 50% or more of full time employees' premiums.
ICHRA

Reimbursement model

Employers choose contribution amounts based on employee class and family size.

Is minimum participation required?

No

Employer contribution limits

No minimums or maximums

Employer eligibility

Employers of any size with at least one other employer (other than their spouse).

Employee eligibility

Any employee classes of the employers' choosing, including part-time and seasonal workers, so long as they have minimum essential coverage.

Coverage flexibility

Employees choose their health insurance plan and what healthcare purchases they make so long as they are qualifying expenses. If they choose to leave the company, they can keep their current plan.

Enrollment

Employers can enroll any time of the year. Employees with an ICHRA election will be offered a special enrollment period.

Tax information

ICHRA reimbursements are not taxed to the employee. However, if an employee accepts an ICHRA offer they cannot receive premium tax credits.

Group Health Insurance

Reimbursement model

Employers offer a plan, or a selection of plans to employees - and if the employer chooses - their employees' families.

Is minimum participation required?

Yes

Employer contribution limits

No. However, in order to be eligible for the Small Business Health Care Tax Credit, employers must contribute 50% or more of the cost of premiums for all full-time employees.

Employer eligibility

Generally, small employers with 1-50 employees are eligible for SHOP. Employers of any size can offer group coverage.

Employee eligibility

Any employee classes of the employers' choosing

Coverage flexibility

Employees have a plan or selection of plans to choose from that offer minimum essential coverage based on what the employer chooses to offer.

Enrollment

Small businesses can generally enroll during any time of the year.

Tax information

Group health plan contributions are generally not taxed to the employee. However, in order to offer a SHOP plan the employer must be eligible for the Small Business Health Care Tax Credit - which means they must contribute 50% or more of full time employees' premiums.

To learn more about your options, call 1-, or click here to get a quote.

Does your small business qualify for New York health tax credit?

If you're a small business owner in

New York

, you may qualify for a tax credit that could cover some of the costs you pay for employees' premiums. If you qualify, eHealth can help you obtain your tax credit and find a small business health insurance plan that works best for you and your employees.

Number of full-time workers the company employs is within

25

Average annual wage per worker must be less than

$50,000

Minimum employer contribution toward employee coverage is

50%

If you are a small business owner with 25 full-time employees or less, and pay an average salary less than or equal to $50,000 a year, you might be eligible for a tax credit.* This tax credit was created under the Patient Protection and Affordable Care Act (PPACA) in order to give small businesses and tax-exempt organizations a break on the cost of group health insurance for their employees.

The federal tax credit will reimburse qualifying small businesses for up to 50% of the premiums they pay towards employee medical, vision and dental insurance. Tax-exempt organizations may qualify for a tax credit of up to 35% of premium expenses.

*In some states, the tax credit only applies to Qualifying Health Plans (QHPs) bought through government exchanges. Other restrictions may apply.

Small businesses with fewer than 10 full-time employees that pay average annual wages of $25,000 or less may qualify for the full credit. The amount of the credit is reduced for companies with more full-time workers and higher wages, until it is phased out entirely for those with 25 or more full-time workers and average annual wages over $50,000.

Because eligibility rules are based in part on the number of full-time employees, not the total number of all employees, businesses that use part-time help may qualify even if they employ more than 25 individuals.

New York Health Insurance - NY Medical Insurance (2)

eHealth is an authorized federal government partner.

Looking to purchase group health insurance in New York?

We offer a broad selection of New York health plans for individuals, families and small businesses from most of the leading New York health insurance companies.

  • Empire BlueCross BlueShield
  • MVP Health Care
  • Oscar
  • Oxford Health Plans
  • UnitedHealthcare

Frequently asked questions

Do small employers have to offer health insurance in New York?

In New York, companies with 50 or more full-time employees must provide health insurance coverage. Businesses in New York that have 50+ full-time employees are considered applicable large employers, which means they may face penalties if they fail to offer health benefits. Businesses with less than 50 employees are not required to provide health insurance in New York at this time.

In New York, small business health insurance plans start for as little as about $288 per employee.* This price will vary based on the ages of your employees, the number of dependents, and many other factors. View free, personalized quotes from eHealth to find the coverage option that's right for your business.

(Video) NY State of Health: Health Insurance Explained

* This is based on the lowest-price plan available from eHealth in New York, but actual prices available depend on zip code, age, gender, and other factors. Get a personalized quote to see what may be available for you.

To qualify for group health insurance in New York, your company typically needs at least two employees including the owner. If you're unsure if your business qualifies for group health insurance, eHealth's customer support team can help you find the right plan.

New York Resources for Small Businesses

Business owners in New York can expand their health insurance offerings to include group dental insurance and group vision insurance. New York small business owners can also refer to the following resources about owning and operating a small business in New York:

What people are saying

You can browse plans and read articles online or call and get personalized recommendations from one of our agents. No charge, no expectations to enroll.

New York Health Insurance - NY Medical Insurance (3)

"It is a breath of fresh air to work with eHealth, where the team takes customer service to the next level."

- Varner Faddis Elite Legal,

Colorado

New York Health Insurance - NY Medical Insurance (4)

"It's hard to even explain how much eHealth helped us. By having a conversation about my specific health insurance needs, we were able to save over $600 a month."

- Rachel M.,

Virginia

New York Health Insurance - NY Medical Insurance (5)

"Before working with eHealth I thought buying group health insurance would be difficult. I didn't expect it to be as EASY as eHealth made it. My advice, work with eHealth - it's easy."

- MS Glass LLC,

Texas

New York Health Insurance - NY Medical Insurance (6)

"As a busy business owner, I needed eHealth to advise me and handle my group health insurance details. eHealth is an invaluable resource. Health insurance doesn't have to be complicated. Need help? call eHealth!"

- Tabatha,

Nevada

New York Health Insurance - NY Medical Insurance (7)

"eHealth gave me confidence that we found the most affordable health plan for our business. Call eHealth, they make it simple."

- Cristy,

Smash Marketing in Colorado

New York Health Insurance - NY Medical Insurance (8)

"Choosing the right health plan can be complex. eHealth helped me understand the pros/cons to each plan choice. eHealth made group health insurance EASY!"

- Paul,

New Jersey

New York Health Insurance - NY Medical Insurance (9)

"At first I felt buying group health insurance was so confusing. But eHealth made it so much simpler. eHealth makes health insurance easy!"

- Brett,

Georgia

(Video) NY State of Health - Picking a Health Plan That's Right for You

New York Health Insurance - NY Medical Insurance (10)

"eHealth gave me the guidance to feel confident buying group health insurance. Don't wait, ask eHealth about Small Business health insurance."

- Carlos,

Texas

New York Health Insurance - NY Medical Insurance (11)

"eHealth's customer service makes group health insurance easy. At renewal time, eHealth answered all my questions and showed me all the options they offer."

- Cindy,

Texas

New York Health Insurance - NY Medical Insurance (12)

"eHealth gave me the support I needed to pick the right plan and complete the application. My advice, stop researching and go to eHealth for help!"

- Arthur UX,

California

New York Health Insurance - NY Medical Insurance (13)

"I was unsure about choosing the right health plan for my business. eHealth explained all my options, honestly. eHealth gave me the assurance I needed to find the right health plan."

- Any Screen Inc.,

Colorado

New York Health Insurance - NY Medical Insurance (14)

"eHealth guided me to the best options in health insurance for my business. I felt very comfortable with the process and the results. I would advise friends to sign up through eHealth."

- Elliott S.,

California

New York Health Insurance - NY Medical Insurance (15)

"I'm advising my friends to use eHealth! The process of signing up or a group plan was simple."

- Sarika K.,

Texas

New York Health Insurance - NY Medical Insurance (16)

"The process of signing up for a group plan was fast and easy with eHealth. They made health insurance accessible.

SIGN UP THROUGH EHEALTH!"

- Ekaterina S.,

Florida

New York Health Insurance - NY Medical Insurance (17)

"Though we've had other group plans in the past, eHealth helped us better customize and select options more fitting for our needs.

eHealth has a fabulous and effective on-boarding process.

A great agent partner makes a huge difference!

"

- Russell W.,

Texas

(Video) NYC Health Insurance Reviews | Best Health Insurance New York State of Health Marketplace

New York Health Insurance - NY Medical Insurance (18)

"It is a breath of fresh air to work with eHealth, where the team takes customer service to the next level."

- Varner Faddis Elite Legal,

Colorado

New York Health Insurance - NY Medical Insurance (19)

"It's hard to even explain how much eHealth helped us. By having a conversation about my specific health insurance needs, we were able to save over $600 a month."

- Rachel M.,

Virginia

New York Health Insurance - NY Medical Insurance (20)

"Before working with eHealth I thought buying group health insurance would be difficult. I didn't expect it to be as EASY as eHealth made it. My advice, work with eHealth - it's easy."

- MS Glass LLC,

Texas

New York Health Insurance - NY Medical Insurance (21)

"As a busy business owner, I needed eHealth to advise me and handle my group health insurance details. eHealth is an invaluable resource. Health insurance doesn't have to be complicated. Need help? call eHealth!"

- Tabatha,

Nevada

New York Health Insurance - NY Medical Insurance (22)

"eHealth gave me confidence that we found the most affordable health plan for our business. Call eHealth, they make it simple."

- Cristy,

Smash Marketing in Colorado

New York Health Insurance - NY Medical Insurance (23)

"Choosing the right health plan can be complex. eHealth helped me understand the pros/cons to each plan choice. eHealth made group health insurance EASY!"

- Paul,

New Jersey

New York Health Insurance - NY Medical Insurance (24)

"At first I felt buying group health insurance was so confusing. But eHealth made it so much simpler. eHealth makes health insurance easy!"

- Brett,

Georgia

New York Health Insurance - NY Medical Insurance (25)

"eHealth gave me the guidance to feel confident buying group health insurance. Don't wait, ask eHealth about Small Business health insurance."

- Carlos,

Texas

New York Health Insurance - NY Medical Insurance (26)

"eHealth's customer service makes group health insurance easy. At renewal time, eHealth answered all my questions and showed me all the options they offer."

- Cindy,

Texas

(Video) About Low-Cost Health Insurance in New York State

New York Health Insurance - NY Medical Insurance (27)

"eHealth gave me the support I needed to pick the right plan and complete the application. My advice, stop researching and go to eHealth for help!"

- Arthur UX,

California

New York Health Insurance - NY Medical Insurance (28)

"I was unsure about choosing the right health plan for my business. eHealth explained all my options, honestly. eHealth gave me the assurance I needed to find the right health plan."

- Any Screen Inc.,

Colorado

New York Health Insurance - NY Medical Insurance (29)

"eHealth guided me to the best options in health insurance for my business. I felt very comfortable with the process and the results. I would advise friends to sign up through eHealth."

- Elliott S.,

California

New York Health Insurance - NY Medical Insurance (30)

"I'm advising my friends to use eHealth! The process of signing up or a group plan was simple."

- Sarika K.,

Texas

New York Health Insurance - NY Medical Insurance (31)

"The process of signing up for a group plan was fast and easy with eHealth. They made health insurance accessible.

SIGN UP THROUGH EHEALTH!"

- Ekaterina S.,

Florida

New York Health Insurance - NY Medical Insurance (32)

"Though we've had other group plans in the past, eHealth helped us better customize and select options more fitting for our needs.

eHealth has a fabulous and effective on-boarding process.

A great agent partner makes a huge difference!

"

- Russell W.,

Texas

New York Health Insurance - NY Medical Insurance (33)

"It is a breath of fresh air to work with eHealth, where the team takes customer service to the next level."

- Varner Faddis Elite Legal,

Colorado

New York Health Insurance - NY Medical Insurance (34)

"It's hard to even explain how much eHealth helped us. By having a conversation about my specific health insurance needs, we were able to save over $600 a month."

- Rachel M.,

Virginia

Find your perfect health plan now

Whether you are looking for the perfect dental, vison or health plan, eHealth has you covered.

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