2023 HEALTH INSURANCE RATES AND INFORMATION FOR NY SMALL EMPLOYERS

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Oxford Health Insurance, now known as United Healthcare, has earned its reputation as the premier provider of small business insurance plans in New York. Their exceptional service and extensive network of top-notch doctors have made Oxford the preferred choice for health insurance among three-quarters of New York employers.

​To search the MD network click link - Oxford Doctor Search

Oxford United Health offers a trifecta of excellent networks: Freedom, Liberty, and Metro. The Freedom Plan boasts the largest network of MDs in New York. In contrast, the Liberty network offers a more cost-effective insurance alternative without compromising quality. On the other hand, the Metro network, though smaller, is providing low-cost health insurance ny. Freedom and Liberty networks grant your employees national coverage through United Healthcare's Choice Plus Network.


Oxford Health Group extends its health insurance options across the state, encompassing Downstate New York, the five boroughs, Long Island, Westchester, and the mid-to-upstate regions, stretching to Ulster and Sullivan County. It's important to note that Oxford United Health has introduced new participation requirements for Non-HMO plans. The rule stipulates that, after valid waivers, at least 60% of employees must participate. However, Liberty HMO plans remain exempt from these participation requirements.


For added flexibility, you can mix and match various Oxford Health Plans to cater to highly compensated employees with a buy-up option while still providing an affordable plan for the rest of your staff. If you believe that Oxford Health Plans align with the needs of your small business, we would be delighted to discuss the benefits and costs tailored specifically to your business requirements.


Oxford Health Insurance offers diverse plans, including EPO, PPO, HMO, and HSA options to suit your preferences.

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Aetna Health Insurance for small business ranks second to Oxford in delivering high-quality service and boasting an extensive network. Aetna Small Business insurance plans are accessible across all counties in New York. Like Oxford, Aetna Small Group Plans mandates a 60% enrollment rate among full-time employees after valid waivers for their Non-HMO plans.

​To search the MD network click link - Aetna Doctor Search

In 2023, Aetna small business plans introduced its Saving Plus plans, designed to offer reduced rates and direct competition with the Oxford Metro plan. Aetna's Saving Plus Plans are an excellent choice, particularly for new businesses or ventures seeking to provide benefit s for the first time. Suppose you are a new small business owner seeking guidance on your small business health insurance options. In that case, we can provide comprehensive information about the costs and benefits Aetna Health Insurance offers.

Notably, employees are eligible to utilize the Aetna national network, albeit with some special rules that apply."

Anthem BC/BS New York Small Business Health Insurance offerings include the traditional national EPO/PPO network, which boasts the largest network of healthcare providers in New York. Anthem offers a variety of plans to cater to your specific needs, including options with the comprehensive EPO/PPO network, the slightly smaller Blue Access network, and the most streamlined network known as Connection.


Anthem's coverage extends to businesses in New York City, Long Island, Mid-Hudson, and Albany regions. Importantly, Anthem plans are designed for nationwide use, meaning your employees can access care wherever they are within the United States without needing referrals. Empire offers the most affordable health insurance NYC.


In addition to the flexibility in network options, Anthem allows for the enrollment of almost unlimited out-of-area employees. To find healthcare providers within our network, you can use our Anthem Blue Cross Insurance doctor search tool, and for hospital information, please refer to our Anthem Hospital Chart.

To search the MD network click link - Anthem Doctor Search

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Are you searching for an affordable health insurance plan for your small business? Emblem Health Plans HMO offerings are among the most cost-effective options available in New York City. Specifically, Emblem Prime plans are accessible in Queens, Nassau, Richmond, New York, Kings, the Bronx, Westchester, and Rockland Counties.


EmblemHealth Prime plans are built around the Tristate Network, comprising Emblem Prime in New York, ConnectiCare in Connecticut, and Qualcare in New Jersey. Meanwhile, EmblemHealth Select Care and Millennium Networks cater to the New York City area, Nassau, Suffolk, and Westchester counties.


Emblem Health Plans continues offering HMO plans for small businesses without participation requirements. Emblem Health Insurance is an excellent choice for employers looking to save costs while delivering a robust employee benefits plan.


If you want to provide your employees with a high-quality benefits plan at an affordable rate, don't hesitate to inquire about Emblem Health Insurance. As of August 1, 2020, EmblemHealth Network POS plans include national coverage through the FirstHealth Network .