Best Health Insurance Plans in NYC
The best health insurance policy depends on your health needs, the availability of plans in your area, and how much you can spend on coverage. Understanding the cost of premiums and deductibles for each metal tier and alternatives to health insurance can help you figure out the best options to get coverage. This article breaks down the best health insurance plans in NYC for different people, depending on the coverage need.
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Best Health Insurance Plans in NYC
The average individual private health insurance plan costs around $440 monthly for coverage, while the average family plan pays nearly $1,168 per month. Still, comparatively, rural areas pay the highest premiums compared to urban areas, such as New York City. However, the specific amount you’ll pay depends on several factors, including your location, the people on your plan, and your deductible.
New York’s Open Enrollment Period lasts between Monday, November 1, 2021, through Saturday, January 15, 2022, unless you qualify for a Special Enrollment Period such as moving, getting married, having a baby, or job loss. In the state of New York, residents can get health coverage through employer-sponsored health programs, individual or family plans, or government-assisted programs. Below is a breakdown of New York’s enrollment in these various health insurance plan types.
| Insurance Type | Percent Enrollment |
|---|---|
| Employer-Sponsored | 50% |
| Individual/Family | 6% |
| Medicaid | 26% |
| Medicare | 13% |
| Military | 0.4% |
| Uninsured | 5% |
Source: KFF
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Ashley Brooks works in Healthcare Consulting and graduates with her MPH in September of 2022 from George Washington University, but graduated with her B.S. in Health Science from James Madison University in 2019. Ashley has been with Mira since June of 2021 and shares the passion for creating affordable healthcare coverage for all!