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New York Health Insurance

More than 3 million people are living without health insurance in New York. To help curb the rise in uninsured amongst its population, in 2000, the state of New York introduced “Healthy NY,” a program managed by United Healthcare. As part of the state’s Healthcare Reform Act of 2000, enrollees receive a premium subsidy and access to a variety of comprehensive medical plans that include preventative medical care, wellness programs and emergency services throughout the state.

New York Individual Health Insurance

Individual health insurance policies throughout the state of New York vary in terms, conditions and length of coverage. With subsidies in place for most New Yorkers to obtain coverage, individual health insurance is more affordable now more than ever.

New York Group Health Insurance

Healthy NY is available to small business owners throughout the state as a means of providing affordable healthcare to employees. Uninsured citizens of the state can qualify for the program depending on a number of criteria to establish eligibility. About half of all those employed in the state of New York are covered under a group health insurance plan. The state of New York defines a small group as an employer with 50 or fewer members in employer-based insurance plan. According to the state department of insurance, more than 50 percent of all employees must enroll in a small group health insurance plan before coverage will be issued by most insurers.

New York Family Health Insurance

To help curb the rise in uninsured amongst its population, in 2000, the state of New York introduced “Healthy NY,” a program managed by United Healthcare. As part of the state’s Healthcare Reform Act of 2000, families can receive a premium subsidy and access to a variety of comprehensive medical plans that include preventative medical care, wellness programs and emergency services throughout the state.

New York Short Term Health Insurance

Also known as “Gap” coverage, short term health insurance is the most affordable alternative for health insurance plans for those who are either without employer-based health benefits or are waiting for benefit waiting periods to expire before full coverage under their employer can begin. Short term health insurance is also a great alternative for people who have chronic medical conditions, but only need health benefits for a pre-determined period of time. Most short term plans can be issued within 24 hours of application and benefits expire within 12 months.

New York Student Health Insurance

More than 400,000 children under the age of 18 are not covered by health insurance in New York. Although almost 9 percent of its childhood population do not receive coverage under a private insurance plan, the state does provide a heavily-subsidized program of medical benefits for those families that meet certain income requirements. Maternity care and benefits related to early childhood immunizations are typically covered under most of the state-approved and subsidized plans, as are routine physicals.