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NY Small Group Health

2019 Health Insurance Rates and Information for NY small employers

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NY small business health plans:

Oxford Aetna
United Empire
Emblem MVP
Excellus Cigna

Oxford Health Insurance Quote [Unitedhealthcare company] Oxford is considered the premier provider in New York. Great service and superior doctor network make Oxford the best choice if cost is not a consideration. Oxford offers two great networks - Freedom and Liberty.

The Freedom plan is the largest MD network in NY. The Liberty network is a great cost saving alternative.  Both networks provide your employees national coverage through United Healthcare’s Choice Plus network.  Oxford’s plan choices are available in downstate NY (5 boroughs, Long Island and Westchester) and mid to upstate through Ulster and Sullivan counties.

Oxford has new participation requirements for Non HMO plans. The rule states that 60% of the employees must participate after valid waivers. Liberty HMO plans will continue to have no participation requirements. You can mix and match some Oxford plans to accommodate highly compenssated employees with a buy-up option while still offering an affordable plan to the rank and file.
EPO, PPO, HMO and HSA plans are available.  

To search the MD network click link - Oxford Doctor Search 
Oxford Quarterly Rates


Aetna Health Insurance Quote Aetna Health runs a close 2nd to Oxford in quality service and network size. Aetna’s network is the second largest in New York. Aetna Health insurance plans are available throughout all of New York State. Just as Oxford - Aetna requires 60% enrollment of full time employees after valid waivers.

To search the MD network click link - Aetna Doctor Search 
Aetna Health Quarterly Rates

Aetna NYC Community Plans This is Aetna’s LOW COST and small network of MD’s plan available for NYC employers only. This is a traditional EPO plan with co-pays and requires referrals from your primary care MD in order to see a specialist. Aetna’s NYC Community Plans are a great choice for new ventures or businesses wishing to provide benefits for the first time.

Employee’s are eligible to use the Aetna national network (special rules apply). Aetna NYC Community Plans will allow employers to enroll as few as one employee in a group up to 50.

To search the MD network click link - Aetna NYC Community Doctor Search
Aetna NYC Community Quarterly Rates


Empire Blue Cross Blue Shield - This is not your mother’s Blue Cross. NEW plans for 2017 includes the traditional national EPO and PPO network which is again the largest network of providers in NY State.  Empire will also have  plans with the more limited Blue Priority network.  Empire will be available for businesses located in New York City, Long Island, Mid Hudson and the Albany area.   All plans can be used nationally.  All plans do not require referrals.  

To search the MD network click link -  Empire Blue Cross doctor search
Empire Blue Cross Blue Shield Annual Rates


Emblem HIP Select Care  Emblem HIP HMO plans are among lowest cost plans available in New York City. Plans are available in the 5 boroughs, Long Island, Mid Hudson and Albany regions.  Emblem HIP plans utilize the well known HIP Center model with the AdvantageCare Physicians group network. HIP Select Care is the culmination of these changes at Emblem. These health plans offered through HIP Select Care are a great way for employers to save money and still provide a strong benefit plan.

To search the MD network click link -  EmblemHealth Doctor Search
Emblem HIP Select Care Annual Rates


Oscar – Health insurance that’s easy.
OSCAR was created to give you: Health Plans that are easy to understand, reinvented customer service and health care that actually feels good to use. OSCAR plans are simple – Copays for routine care so you get access to doctors on day one. Great doctors with real availability (plus Virtual Visits you can do from home). Plus Rewards for walking with Step Tracking on the OSCAR app. OSCAR provide World-class care: Great hospitals, great doctors. You’re covered whether you need a checkup or a specialist.

No roadblocks. You don’t need a referral to the specialist you want. You can talk to a Doctor from your couch and get prescriptions sent to your pharmacy. Free and available 24/7 on the OSCAR app.


Healthpass  – HealthPass is a private insurance exchange offering members and businesses in the New York Metropolitan area flexible cost effective solutions for their healthcare needs. Since 1999, the HealthPass New York choice model has empowered employees to individually select their plans based upon their unique needs and budgets. A well-rounded menu of options is offered through industry leading carriers, with choices including health, dental, vision, life and disability coverage. Brokers, employers, employees and individuals benefit from the state of the art technology and extensive support provided by the HealthPass team including a streamlined administrative process, member-claims advocacy, COBRA Administration and the most knowledgeable client services team in the industry. At HealthPass we support employers empowering their employees to make their own health insurance decisions. After an employer sets a defined contribution (DC) amount, each employee chooses the plan that is right for their family's medical needs and budget. A robust menu of benefit options from leading industry carriers ensures everyone can access a plan that addresses their unique healthcare needs. Through HealthPass' partner carriers, our members are afforded greater access to doctors and hospitals than any individual insurer network of providers. With over 700,000 providers collectively participating in our networks, there is a greater opportunity for employees to choose a plan that covers their most important doctors and hospitals in the area – the ones they want to see. There is one enrollment form, one bill and one customer service line to answer your questions. And we take the burden off employers by handling your COBRA administration and providing a confidential advocacy resource to help employees with the questions you don’t need or want to be involved in – resolving claims, setting doctor appointments or handling complex issues and more. We keep it simple.And for the tech-savvy, you can now work with your broker to use the HealthPass Online Portal (HOP) to make enrolling and administering your plan even easier. The HOP allows for the initial setup of your group, enrollment by employees with the support of online decision making tools, in-year administration of benefits due to life changes, and an ability to renew your group upon completion of your plan year. Through the HealthPass choice model, employees pick plans that are right for their budget while the employer saves money by using a defined contribution approach. By using defined contribution, employers provide a fixed dollar amount toward their employees’ coverage. Employees can choose a plan that is covered by the employer's contribution amount or "buy up" to the medical or ancillary plans that fits their needs and budget. By utilizing the HealthPass choice model employers can better predict their health costs and employees get to select coverage that is right for them - a win- win for everyone!

Healthfirst – As a hardworking small business owner, you need a healthcare company that understands your employees the way you do. With over 20 years in New York and more than one million members and growing, Healthfirst is here for you and your employees with top-rated health plans1 that fit New Yorkers of all ages, backgrounds, and income levels.


• Comprehensive benefits that include dental and vision coverage, 24/7 telemedicine access, acupuncture, exercise rewards, and even more to help members get active and stay healthy
• Members have access to a broad network of providers and dozens of industry-leading hospitals
• Member service offered in the many languages our members speak
• Community locations throughout New York City and Long Island, where members can ask questions about their coverage and learn about community events

If you’re a small business owner with 1-100 employees and need healthcare coverage for your business, find out now how Healthfirst can help.


NY Health Alliance – One-Stop Shopping for New York Businesses and Individual Health Plans

The New York Health Alliance is the ultimate employee benefits market place for Business Owners — bringing consumer choice benefits to the Small Business market as well as the Individual market within the state of New York. The NYHA offers plans and products from competing health insurers: CareConnect, MVP Health Care and Oscar.

In addition to our health care partners, the NYHA also offers plans and products from competing ancillary insurers: Colonial Voluntary, ShelterPoint and Guardian Life. These partners can provide products such as dental, vision, term life, LTD, STD, AD&D, DBL, Medical Bridge, HRA / HSA Admin, COBRA Administration, Payroll Service, making the New York Health Alliance the ultimate employee benefit market place.

With the NYHA, your employees choose from a full menu of Health & Ancillary benefit plans, which include: EPO, PPO, and High Deductible type plans. Employees fill out a universal enrollment form showing all available plan options, and the employer receives one simple bill.

Select! Don’t Settle!

NY Health Alliance


Cigna offers group insurance coverage to employers with 51 or more full-time employees, as well as administrative services for self-funded plans with as few as 25 full-time employees in most states. For more information about your state, contact your Cigna sales representative.


Small Business Health insurance quotes for upstate New York

1. UnitedHealthcare – is the number 1 health insurance company in the country. Excellent local and national network.  Plans are available in all counties in upstate New York. Downstate New York counties are serviced by Oxford Health Plans [UnitedHealthcare company]. UnitedHealthcare offers 3 plans in downstate NY as part of the North Shore LIJ CareConnect network.

To search the MD network click link – UnitedHealthcare Doctor Search 
United Healthcare Quarterly Rates


2. CDPHP – Capital District Physicians Health Plan offers PPO, EPO, HMO plans as well as high deductible health plans [HSA and HRA]. Rates are among the lowest available in the Eastern/Central Capital region of New York State. CDPHP is the highest rated health insurance company in New York State. The high deductible plans offered [HAS/HRA] are the lowest cost health plans available anywhere in New York. CDPHP allows significant options when designing your helath plans, The EPO options offer good value with low rates.

CDPHP Health Plans [EPO/PPO] require a minimum of 50% enrollment of all full time employees. HMO plans have no participation requirements. No referrals are needed. National network access is available through the FirstHealth National network for claims arising outside of New York State.

To search the MD network click link – CDPHP Doctor Search
CDPHP Quarterly Rates


3. MVP Health Care - MVP is available In most counties North of New York City. EPO, PPO and high deductible [HSA/HRA] plans. MVP currently has no minimum enrollment requirements. Groups of 2 or more employees can enroll as few as 1 employee. Additionally you can enroll out of area employees without restriction utilizing the Cigna national network.

 To search the MD network click link - MVP doctor search
MVP Health Care Quarterly Rates


4. Univera Healthcare – Univera is a subsidiary of Excellus Blue Cross. Univera is primarily a Buffalo region (Allegany, Cattaraugus, Chautauqua, Erie, Genesee, Niagara, Orleans, and Wyoming counties) health insurance provider. .  Univera offers EPO, PPO and High deductible [HAS/HRA] health plans. Univera requires 75% participation after vaild waivers. Univera also offers individual plans in these

 To search the MD network click link -Univera Healthcare Doctor Search
Univera Healthcare Quarterly Rates


5. Excellus Blue Cross Blue Shield – Excellus offers PPO and High deductible [HSA/HRA]in three regions in NY state ( Utica, Syracuse, the Rochester regions). Excellus require 75% participation after valid waivers.  Excellus also offers individual plans in these areas.

 To search the MD network click link - Excellus Blue Cross Doctor Search 
Excellus Blue Cross Blue Shield Quarterly Rates