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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 York.
Quick Facts About NY Health Insurance
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.
Types of Health Insurance
- 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.
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 much does health insurance cost in New York?
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.
How to Enroll in New York Health Insurance
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.
Individual Health Insurance
That’s where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There’s no extra cost to you and you’ll have an insurance person to always turn to.
Group Health Insurance
Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.
Life Insurance
Dental Insurance
Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.
Vision Insurance
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