About Health Insurance in New York
New York is a guarantee issue health insurance state, so no one can be turned down for health insurance. East Coast Health Insurance can help you select the best insurance company for you in the state of New York if you need an individual medical care plan. We provide you with a quote from Empire Blue Cross Blue Shield, Oxford Health Plans, and Group Health Incorporated.
- Total Population: 19,221,100
- Total Uninsured Population: 2,797,100 (16%)
- Typical Cost of Inpatient Hospital Visit Per Day: $1,883
- Average State Premium for Individual Health Insurance: $357
Information provided by Kaiser Family Foundation, 2010.
Choosing a Plan in New York
East Coast Health Insurance simplifies the process of getting a quote for residents of New York. Start by entering your zip code above, or for extra assistance you can speak with one of our experts in the state to find your best options over the phone at 888-803-5917.
Other Options in New York
- New York State Insurance Department: 800-342-3736 www.ins.state.ny.us
- SCHIP through Child Health Plus: 800-698-4543
New York Health Insurance Market & Laws
In the state of New York, health insurance laws help advocate both the insurer and the insured. One of the most important provisions relates to having a pre-existing condition. This is defined in New York as a condition you were diagnosed with, or for which you have received medical care, before enrolling in health insurance.
Health insurance companies in New York cannot set exclusion periods (length of time insurance is unwilling to cover expenses for your condition) for pre-existing conditions, unlike many other states. This means treatment for your condition will always be paid for by insurance.
Also, all health insurance plans in New York must contain the guaranteed renewability provision. This protects the policy-holder by giving them the ability to renew their plan when a term has ended, as long as they have paid their premiums and not violated the policy.
Insurance companies in New York are required by law to provide you with more options than most states, such as standardized plans, and they cannot refuse to sell you a policy due to health, risk of illness, or age. It is also illegal for insurers to increase your premiums based on your health status, type of employment, gender or age. They are also required to provide family coverage, if needed.
Standardized plans are required to be provided by health insurance companies with HMOs in New York. These plans must be offered with the additional health insurance policy options a company provides. With these laws in place, the consumer has more options to get affordable care and not be overcharged.
For more information on health insurance regulations in New York, visit the Department of Banking and Insurance site.
1.Kaiser Family Foundation, “New York – State Health Facts”. www.statehealthfacts.org
2. Health Insurance In-Depth, “New York Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-New York.html