New York is one place you can get easy and cheap health insurance. The process is seamless and most of the insurance policies offered are affordable.
Having health insurance in New York gives you the confidence you need when you face health challenges, whether you have the money to pay for the services rendered.
In this article, you will understand why you need the best cheap health insurance in New York, and the 10 best cheap health insurance plans you can get in New York.
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Why Do You Need the Best Cheap Health Insurance in New York?
There are several reasons you should the best cheap health insurance in New York. Some of them are-
- The best cheap health insurance in New York ensures that your health and medical care are well covered. Without it, you may pay the full cost for all your care.
- In New York, the best cheap health insurance provides you with a network of participating doctors, specialists, other health care practitioners, and facilities to choose from. These network doctors, hospitals, and others offer lower rates than those outside the health plan’s network, which helps keep your costs lower.
- When you have the best cheap health insurance in New York, it would encourage you to see your doctor in case of any symptoms and even for your annual check-up and other preventive care.
- Without health insurance, you may have to pay the full cost of any medical care you receive, including preventive care. If you do get sick or suddenly need emergency care, health insurance plans help cover some of those costs.
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Is there Health Insurance for Healthy People?
Most people feel like they do not need health insurance if they are healthy. This is wrong.
If you are healthy, consider health plans with higher deductibles and lower monthly premiums. Plans like these will help you save money if you don’t expect to have a lot of medical expenses during the plan year.
If you enroll in a Qualified High Deductible Health Plan, you may also be eligible to open a Health Savings Account (HSA) which can help you save money on taxes and pay for eligible health care expenses.
What Happens if you Don’t Have Health Insurance?
Having health insurance is important but not compulsory. What happens if you don’t have health insurance? The mist that would happen are-
- You may be more likely to avoid getting recommended preventive care.
- You may pay the full cost of any medical care if you happen to get sick, injured, or develop a chronic illness.
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Best Cheap Health Insurance in New York
#1. Fidelis (New York Quality Health Care Corp).
Fidelis Care is a New York-based health insurance company formed in 1993. As of 2018, Fidelis Care served more than 1.7 million New York residents. It is a subsidiary of Centene Corp and has offices throughout New York State.
Fidelis Care offers free or low-cost health coverage year-round to New Yorkers of all ages and at all stages of life.
In going into an insurance agreement with Fidelis care, you can rest assured that you are dealing with one of the best cheap health insurance in New York.
#2. Healthfirst PHSP
To improve the health and well-being of underserved populations by providing comprehensive prepaid healthcare coverage to Medicaid, managed long-term care, essential plan, harp, qualified health plan, and child health plus recipients.
Healthfirst PHSP is a licensed prepaid health services plan that provides comprehensive prepaid health care coverage to beneficiaries of government health care coverage programs.
PHSP has participated in New York’s Medicaid program since October 1994. It is one of the best cheap health insurance in New York.
#3. HealthNow New York (BCBS of Western NY and Blue Shield of Northeastern
HealthNow New York Inc. is also one of the best cheap health insurance in New York.
They align their objectives with sharing the desire for better health solutions for HealthNow members that can increase customer and clinician engagement, create better health outcomes, manage costs and improve affordability.
#4. Independent Health Benefits Corporation
Independent Health Benefits Corporation operates as a non-profit organization. The Company offers health, prescription, and dental plans to its members. Independent Health Benefits serves customers in the United States.
The board comprises community leaders in business, industry, and health care. They design individual health insurance for people who are self-employed, retired early, or who don’t have access to an employer-sponsored or government health plan.
#5. Metro Plus Health Plan.
Since 1985, Metro Plus Health Plan has built a reputation for providing access to affordable, quality health care to the people of New York City.
A wholly owned subsidiary of NYC Health + Hospitals, the largest municipal health system in the United States, Metro Plus is the plan of choice for over 600k New Yorkers.
As Metro Plus has grown, so has the companies’ commitment to offering medical, psychological, and well-being services.
Metro Plus offers literally dozens of comprehensive health plans, from Medicaid- and Medicare-eligible to the NY State of Health-compliant. Metro Plus doesn’t just cover its members when they’re ill or injured. We believe in keeping them
#6. MVP Health Plan
MVP is a health insurance provider offering Medicare Advantage plans to residents of New York and Vermont.
In 2022, MVP offers many Medicare Advantage plan options. These plans include extra coverage for services like telehealth, fitness benefits, and prescription drug coverage, among others.
MVP Health Care offers fully insured employer health benefits plans including HMO, point-of-service (POS), preferred provider organization (PPO). MVP Health Care, Inc. is a family of companies offering a range of health benefit plans and options throughout New York and Vermont. It is one of the best cheap health insurance in New York.
#7. Oscar Health Insurance
Oscar health insurance is one of the best cheap health insurance in New York.
With this health insurance, you can have access to a super convenient health app, get the care and message your Care Team, connect to the right kind of care, access providers that understand your language, race, ethnicity, and health situation, and have access to talk to a doctor in minutes for urgent issues or find primary care for the long haul.
#8. United Healthcare of New York.
The New York State Medicaid Managed Care Plan is offered through United Healthcare Community Plan.
It’s for New York State residents who meet the income or disability requirements. Plans that offer coverage from birth to adulthood.
United healthcare of New York offers plans on Medicare, plans for people 65 or older or those who may qualify because of a disability or special condition, small business, plans that offer savings for employers, while supporting employee health, short-term insurance, and also temporary health plans that fit almost any lifestyle or budget. It is one of the best cheap
health insurance in New York.
#9. Fidelis care
Fidelis Care is a New York-based health insurance company formed in 1993. As of 2018, Fidelis Care served more than 1.7 million New York residents.
It is a subsidiary of Centene Corp and has offices throughout New York State. Fidelis Care operates several government-sponsored health insurance programs, including Medicare, Medicaid, and Child Health Plus, which was introduced in 1997.
The company also offers managed long-term care plans and Qualified Health Plans on the NY State of Health Marketplace. It is one of the best cheap health insurance in New York.
#10. Universal Healthcare
United Healthcare, one of the best cheap health insurance in New York, ensures that all individuals and communities receive the health services they need without suffering financial hardship.
It includes the full spectrum of essential, quality health services, from health promotion to prevention, treatment, rehabilitation, and palliative care across the life course. The delivery of these services requires adequate health and care workers with optimal skills mix at the facility, outreach, and community level, who are equitably distributed, adequately supported, and enjoy decent work.
Protecting people from the financial consequences of paying for health services out of their own pockets reduces the risk that people will be pushed into poverty because unexpected illness requires them to use up their life savings, sell assets, or borrow – destroying their futures and often those of their children.
Using this best cheap health insurance in New York is the way to go.
Frequently Asked Questions
According to a recent report, New York has the 15th best healthcare system in the USA. New Yorkers spend around $9,788 on their health insurance every year. This is almost $1,700 more than the national average spent on health insurance per state.
The Affordable Care Act (ACA) requires almost every individual and each of his or her dependents to have health insurance coverage. If they do not have health insurance, they must claim an exemption or pay a tax penalty on his or her federal income taxes the following year.
Health insurance provides financial protection in case you have a serious accident or illness. Health coverage can help protect you from high, unexpected costs.
New York’s insurance premiums second-most expensive in U.S. Data from the Agency for Healthcare Research and Quality, part of the U.S. Department of Health and Human Services, show that the average total premium New Yorkers paid for single coverage in 2020 was $8,177.
Health insurance options are available to all New Yorkers, even if you are not a citizen. Counselors are available to help you choose a health insurance plan. Public health insurance plans are free or low-cost. These include Medicaid, Child Health Plus, and the Essential Plan