Health Insurance Number816-400-4477

Get Insured Today

816-400-4477

New York Health Insurance – Best Health Insurance Agency

Free Help With Health Insurance For New York Residents

Click For Fast Quotes & Enrollment

Get Insured Today

Health Insurance Broker Services
New York

Apollo Health Insurance is dedicated to delivering peace of mind through health insurance that is tailored to our clients’ needs. Rest easy knowing your medical challenges are simplified by our industry experts and knowledgeable advisors. Read on to learn more about health care in New Jersey.

Types of Health Insurance

There are four types of health insurance plans available in New York: Bronze plans, Silver plans, Gold plans, and Platinum plans. Each type of plan has its own set of benefits and costs.

  • Bronze plans have the lowest monthly premiums but also have the highest out-of-pocket costs. This means that if you plan on using your health insurance frequently, a Bronze plan may not be the best option for you.
  • Silver plans offer lower out-of-pocket expenses compared to Bronze plans. This makes them an ideal option for individuals who anticipate frequent utilization of their health insurance, without wanting to strain their finances in the process.
  • Gold plans offer the second-lowest monthly premiums but come with relatively higher out-of-pocket costs. Similar to Silver plans, they are ideal for individuals who anticipate frequent healthcare utilization without wanting to overspend.                                                                                                          
  • Platinum plans have the highest monthly premiums but also have the lowest out-of-pocket costs. If you can afford the high premium, a Platinum plan may be the best choice for you if you think you will need to use your health insurance often.

    Quick Facts About NY Health Insurance 

    New York uses the federal Marketplace as its ACA Exchange.

    Open Enrollment for On-Exchange plans will be from November 1 – December 15.

    Off-Exchange plans offer year-round enrollment.

    Apollo Insurance Group can help broker plans from 6 different carriers.

    How much does health insurance cost in New York?

    New York residents can expect to pay an average of $484 per person for a major medical or Bronze health insurance plans.

    Sliver and Gold plans typically cost $650 – $800 depending on your selected plan.

    It is important to note that these prices can vary depending on your income, health status and various other factors.

    Can you buy short term health insurance in New York?

    Short-term health insurance in New York is prohibited. In New York, all insurance plans must be guaranteed renewable, so plans with limited terms like short-term health insurance plans are not available. Additionally, the state requires that all New York health insurance plans provide essential health benefits, which short-term plans don’t.

    Many individuals turn to short-term health insurance to bridge the gap when transitioning between jobs. However, it’s important to note that you can apply for individual health insurance coverage through the marketplace following major life events such as job loss or divorce.

    How can I get affordable health insurance?

    When shopping for a private health insurance plan in New York, it is important to consider your needs and budget. You should also think about the following factors:

    • Your health: If you have any pre-existing conditions, you will need to make sure that the plan you choose covers those conditions.
    • Your budget: You should compare the premiums and deductibles of different plans to find one that fits your budget.
    • Your network: If you have a preferred doctor or hospital, you will need to make sure that they are in the plan’s network.

    Individual Health Insurance

    Health insurance is an important part of staying healthy and financially secure. It can help you pay for medical expenses, including doctor visits, hospital stays, and prescriptions.

    Individual health insurance plans offer you the flexibility to select a plan that precisely caters to your unique needs, financial considerations, and preferred network of healthcare providers.

    With a wide range of coverage options and customizable features, you can ensure comprehensive and tailored healthcare solutions, providing you with peace of mind and the assurance of receiving the best possible care whenever you need it.

    If you are a resident of New York, there are a wide range of private health insurance plans available to you.

    When to Enroll in New York Health Insurance

    Enrolling in health insurance is only restricted for On-Exchange/ACA insurance plans. For these plans, most people can only enroll during the Open Enrollment period. Open Enrollment for the federal ACA Marketplace is from November 1, 2024 – December 15, 2024. To enroll outside of Open Enrollment, you will need a qualifying life event. 

    With some exceptions, there are no restrictions on enrolling in Off-Exchange plans. Generally speaking, plans that are not found on the federal Marketplace allow enrollment year-round.

    How to Enroll in New York Health Insurance

    To enroll in a health insurance plan in New York, contact us now. We will work with you to find the best plan for your budget and needs. 

     

    Health insurance in the United States is a complicated beast, and New York is no exception. Let one of the experts at Apollo Health Insurance guide you.

    Contact Us Now

    Talk With A Helpful Licensed Sales Agent!

    We’ll Handle All Your Insurance Needs With No Extra Cost. No obligation to enroll.

    Get Insured Today
    Translate »