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Monday, July 6, 2015  
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Individual Health Insurance in New York (NY)

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The Empire State is home to more than 19 million people and every year almost a quarter of a million new babies join the population. Unfortunately, 14 percent of New York residents are walking around each day without health insurance. That's the bad news. The good news is that it's easy to find a health insurance policy to fit your specific needs and family budget.

New York Health Facts

A lack of health insurance hurts New Yorkers who aren't even here yet: 23 percent of mothers-to-be in the state did not get the prenatal care they needed. As a result, there are more than 20,300 babies born with a low birth weight each year, about 8 percent of all newborns. Another 11 percent are born prematurely and only 82 percent get the immunizations they need to stay healthy. Fifteen percent of New Yorkers between the ages of 10 and 17 are overweight and 31 percent didn't get to both the dentist and a doctor last year. The most basic of health insurance policies would take care of most of these issues with a minimal cost.

New York Health Insurance Needs

Adult New Yorkers would benefit greatly from regular health care covered by health insurance. Eight percent of adults have diabetes, almost 14 percent have asthma, 56 percent are overweight or obese and 20 percent smoke. All of these conditions can quickly add up to serious diseases and life threatening illnesses. Don't gamble with your health, get a free quote for health insurance today.

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Health Insurance Laws in New York

New York law does not allow insurance companies to deny you coverage if you have a health problem. The state regulates HMO and POS plans. Pre-existing conditions can be temporarily excluded for a maximum period of 12 months. Pregnancy qualifies as a pre-existing condition, but can only be excluded for a maximum of 10 months. There are regulations limiting premium prices. The state prohibits cancellation of your policy if you become sick.

Individual Health Insurance Companies in New York

Blue Cross and Blue Shield of Western New York
Empire Blue Cross Blue Shield
Group Health Incorporated (GHI)
Health Net
HIP Health Plan of New York
Oxford Health Plans
Univera Healthcare

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Individual-Health-Plans is not a licensed insurer or agency. We provide free information about insurance companies, products and services; we make no representation, express or implied, of any sponsorship by or any other relationship with any company on this site. Products and services may not be available in all states and no guarantees regarding same are made herein. Quotes are provided through insurance brokers, agents, or other representatives who may or may not be able to obtain quotes from any particular company. We make no representation, express or implied, that a user will be able to obtain an insurance quote from any particular insurance company profiled on this site.

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