Independent Health is a Medicare Advantage organization with a Medicare contract offering HMO, HMO-SNP, HMO-POS and PPO plans. Enrollment in Independent Health depends on contract renewal. Every year, Medicare evaluates plans based on a 5-star rating system.
On the federal level, people can enroll in the Affordable Care Act (ACA), which is also known as Obamacare. Currently, 796,000 people in New York receive their health insurance from the ACA-created BHP covering known as the Essential Plan.
Short-term health insurance plans are not available for purchase in New York. Furthermore, New York state prohibits the sale of these insurance plans due to regulations that require all health plans to be guaranteed renewable and cover the minimum essential benefits.
There are currently 18 insurers that sell individual plans on the New York health insurance marketplace. We found that Fidelis Care offers the most affordable health insurance rates in New York. Some of these insurers may not be available depending on where you live.