Best health Insurance plans in
New York
in 2025

Discover NY health insurance plans offering comprehensive coverage for Empire State residents. Venteur simplifies finding the best health insurance in New York by providing easy access to top carriers and transparent plan comparisons. Whether you're in Manhattan, Buffalo, or anywhere in between, our platform helps you find affordable coverage options meeting your unique needs from individual plans to business solutions like ICHRA ensuring the protection you deserve.

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Market overview
13

Health insurance carriers on the marketplace

292

Plans available on the marketplace

15%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

New York
Plans

Discover the best health plans in New York

Great Value
Fidelis Care
Bronze
HMO
Great Value
Great Value
Great Value
$
$
529.72
/mo
/mo

Ambetter from Fidelis Care Bronze, Bronze, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine, Pediatric Dental

Deductible:
In-Network: $4,600 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $50 after deductible / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $10 after deductible / Out-of-Network: Not Covered
Balanced Pick
MetroPlus Health Plan
Silver
HMO
Balanced Pick
Balanced Pick
Balanced Pick
$
$
1025.94
/mo
/mo

SilverPlus Standard Dep 29

Deductible:
In-Network: $2,100 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: first 1 visit(s) $30 then $30 after deductible / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $15 / Out-of-Network: Not Covered
Great Coverage
Oscar
Platinum
EPO
Great Coverage
Great Coverage
Great Coverage
$
$
1794.04
/mo
/mo

Platinum Classic, Platinum, ST, INN, Circle, Wellness Rewards DP FP

Deductible:
In-Network: $0 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $15 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $10 per script / Out-of-Network: Not Covered

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Insurance providers available in New York

How it works

Get these plans for my team

1

Sign up for Venteur ICHRA

Venteur’s ICHRA for companies empower employees to protect their health and be their best with flexible, individualized plans that are easy to understand and highly protective.

2

Set a budget

Take control of your benefits strategy with Venteur's user-friendly interface, allowing you to dial in your plan with precision and flexibility, ensuring it aligns perfectly with your company's unique needs and goals.

3

Employees pick their own plan from the marketplace

Launch your benefits to your employees through Venteur's platform, providing them with immediate access to comprehensive coverage and resources tailored to their well-being.

Compare Plans

Taking down group plans one premium at a time

*
Venteur
ICHRA magic
-
Group Plan
Ho-hum
Responsibility taken by the individual market plan
Personalized plan choices
Easy and flexible plan design
Control over premium increases
No minimums for participation

FAQs

You got questions. We got answers!

What health insurance plans are available in New York through Venteur?
  • Venteur connects you with a range of health insurance plans in New York, including Bronze, Silver, Gold, and Platinum options from top insurance carriers.
  • Employees can pick and personalize their health insurance plans in New York through the Venteur platform, with full control to select coverage that matches their needs and budget.

‍

Are there special health insurance benefits required in New York?

New York has state-based rules that may affect coverage, such as mandates for preventive care and certain essential benefits. Venteur’s platform supports compliance with both federal and state requirements, so your plans will reflect all necessary features.

‍

What is the difference between Bronze, Silver, and Platinum plans in NY?
  • Bronze plans usually offer the lowest monthly premiums but require members to pay more out-of-pocket when care is needed.
  • Silver plans balance monthly premium costs with more moderate deductibles.
  • Platinum plans feature the highest premiums but offer the lowest out-of-pocket costs when employees use health services.

‍

Can small businesses in New York get tax credits for offering health insurance?
  • Small businesses in New York may qualify for federal tax credits if they provide health insurance to their employees and meet certain criteria.
  • Eligibility may depend on team size and average wages. Venteur’s platform can help you access resources to determine your company's eligibility.

‍

How do I renew my health insurance in New York?

Generally, employees and individuals can renew their health insurance each year by logging into the New York State of Health Marketplace or through the Venteur platform. Renewal windows and steps are clearly communicated to ensure continuous coverage

‍

How are New York health insurance plans priced?

Health insurance plans in New York are priced using “community rating.” This means insurers set rates based on broader risk factors (such as age, location, and tobacco use), not individual health status or pre-existing conditions. This approach differs from many other states, where pricing can be affected by individual health factors. As a result, New York’s system ensures more equitable premiums across members, regardless of medical history.

‍

Speak with an expert

What is Venteur

Explore the best human-first Health Insurance platform

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Simple, personalized health benefits

Sign up in minutes, define your contribution, and let your employees choose the health plan that works right for them

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Integrations to make everything run smoothly

We'll connect with your payroll and finance systems to make deductions and premium payments seamless

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Easy onboarding and off-boarding

In just a few clicks, add your roster and make updates on the fly. We'll handle it from there.

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Venteur Certified Brokers to help your employees pick the right plan

Our trusted brokers ensure the best outcomes for employees and employers by unlocking health savings and providing unrivaled plan options.

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AI-powered plan recommendations to give you confidence while you shop

Backed by 30 years of healthcare data, Venteur’s AI helps employees compare and choose the best plan for their unique situation.

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Compliance and reporting because no-duh!

Venteur manages plan administration, reporting, and compliance so you can focus on growing your business.

See the platform

Discover the best health plans in New York

Great Value
Fidelis Care
Bronze
HMO
Great Value
Great Value
Great Value
$
$
529.72
/mo
/mo

Ambetter from Fidelis Care Bronze, Bronze, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine, Pediatric Dental

Deductible:
In-Network: $4,600 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $50 after deductible / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $10 after deductible / Out-of-Network: Not Covered
Balanced Pick
MetroPlus Health Plan
Silver
HMO
Balanced Pick
Balanced Pick
Balanced Pick
$
$
1025.94
/mo
/mo

SilverPlus Standard Dep 29

Deductible:
In-Network: $2,100 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: first 1 visit(s) $30 then $30 after deductible / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $15 / Out-of-Network: Not Covered
Great Coverage
Oscar
Platinum
EPO
Great Coverage
Great Coverage
Great Coverage
$
$
1794.04
/mo
/mo

Platinum Classic, Platinum, ST, INN, Circle, Wellness Rewards DP FP

Deductible:
In-Network: $0 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $15 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $10 per script / Out-of-Network: Not Covered

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Plans
13

Health insurance carriers on the marketplace

292

Plans available on the marketplace

15%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

Insurance providers available in New York