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New York Health Insurance Information

→ Click here to visit the New York Insurance Department website

Guaranteed Health Insurance Plan

As a HIPPA eligible enrollee, you can buy an individual health insurance policy any time from any individual insurer operating in New York without any waiting period. Note:

  • You must be offered a choice of at least two policies similar to those sold to everyone else in your area
  • You are exempt from any pre-existing condition exclusion waiting periods or elimination riders

HIPAA Eligibility

To be HIPAA eligible in New York, you must:

  1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
  2. Not be eligible for Medicare, Medicaid or a group plan; and
  3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
  4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

How much will insurance cost?

Premiums for individual health policies in New York cannot vary due to age, gender or health status. These “community rated” premiums may vary depending upon family size, where you live in the state, and the type of policy you select. Contact a New York insurance carrier for the most current premium rates.

Major New York Insurance Companies

Where can I obtain more information?

For more information, visit the New York Insurance Department online at www.ins.state.ny.us, or call (800) 342-3736 (in state only) or (212) 480-6400.

Special insurance for children: Child Health Plus

A family of four making up to $41,100 a year may be eligible for Child Health Plus.