How to Find the Right Small Business Health Insurance Plan in New York City

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Best Group Health Insurance Companies in New York City

Let’s explore some specific insurance companies and the plans they offer in New York City.

Blue Hymn of the Cross

Anthem, officially known as Empire Blue Cross, features one of the broadest networks in the country. As a Blue Cross cardholder, your employees will have access to a network of 95% of doctors and 96% of hospitals in the United States. One in three Americans holds a BCBS card – more than 106 million members.

In New York City, Anthem has one of the largest networks of doctors and hospitals. They offer a wide range of benefits, HMOs, PPOs, point-of-sale plans and health savings accounts (HSA). They also offer a wide range of dental and vision plans for small groups. There are 3 networks to choose from: Blue Priority Network, Blue Access Network, and Connect Network

If you want the best health coverage for your employees and are willing to pay more, Anthem Blue Cross is for you. For more information, see our Blue Cross review.

Aetna Health

Aetna offers some of the most competitive health plans in New York City. The company does not offer any platinum plans in New York. Gold, silver and bronze only. Their group health plans include PPO (Preferred Provider Organization) plans, EPO (Exclusive Provider Organization) plans, and HSA (Health Savings Accounts). Aetna Saving Plus plans feature discounted rates and are designed to compete directly with other carriers like Oxford and Anthem Blue Cross.

All Aetna plans are available everywhere in New York State and nationally in all 50 states. See our Aetna Health Plan review for more information about the company.

Cigna

Cigna is a large group service provider and is only available to New York City companies with more than 100 employees. The company has one of the largest networks of doctors and hospitals in the tri-state area and nationally. They offer many different health plan designs to fit almost any organization; PPO (Preferred Provider Organization) plans, HMO (Health Maintenance Organization) plans, and HSA (Health Savings Accounts), including dental and vision plans as well. Almost every type of health care coverage you can imagine.

Oxford Health Plans/United Healthcare

Oxford is one of our best health insurance companies in New York City because it is one of the most widely accepted health plans in the tri-state area. Eight out of ten New York companies rely on Oxford for their health plan.

Oxford has more than 1.5 million doctors and healthcare professionals and 6,200 hospitals nationwide. The company offers a variety of health plans within its three networks; The Freedom Network, the Freedom Network, and the “new” metro network.

The Freedom Network provides nationwide coverage through UnitedHealthcare’s “Choice Plus Network” While Liberty Network provides nationwide coverage for your employees through “Basic network.The Oxford Metro network provides coverage in New York, New Jersey and Connecticut only.

Within the three networks, Oxford offers many different health plan designs to suit almost any organization; EPO (Exclusive Provider Organization) plans, PPO (Preferred Provider Organization) plans, HMO (Health Maintenance Organization) plans and HSA (Health Savings Accounts). If you are a business owner in New York City, Oxford should definitely be on your list of insurance companies to consider.

HealthPass

Healthpass is a private health insurance exchange in New York City that offers group health plans from different companies in New York all under one platform. For small employers (1 to 100 employees), HealthPass provides flexible and affordable benefits. Access more than 45 health, dental, vision, and life plans from Anthem Blue Cross, Guardian, Oxford Health Plans, and Emblem Health.

If you’re looking for a flexible benefits program where your employees can choose the coverage they want. Healthpass is a great option.

Assess business insurance needs

When you run a small business in New York City, deciding on health insurance isn’t just about choosing a plan. It’s about understanding what your business and your employees need.

Start by looking at your team. How many people do you cover? What type of health services might they need? These questions are your starting point.
Next, think about your business itself. Each industry has its own risks.

For example, a construction company may need plans that offer extensive physical therapy options, while a technology startup may prioritize mental health services.
Your budget also plays a big role in this decision. You want to offer your employees good coverage, but it has to be something your company can afford.

Understanding your employees’ coverage needs is also vital. This is not limited to meeting legal requirements only. It’s about making sure your team feels valued and cared for.

When employees see that you chose a health insurance plan with their needs in mind, it boosts morale and loyalty. This in turn helps your business grow stronger.

So, take your time with this step. Talk to your employees. Learn about the health services that are important to them.

Key factors to consider

Although it’s essential to find something affordable, it’s also important to make sure the plan covers your employees’ health care needs. The cheapest plan may not always be the best option if it doesn’t provide the coverage your team needs.

Coverage is a big word when it comes to health insurance. You need to check what services are included in the plan.

Does it cover only the basics, or does it include additional services such as dental and vision care? Make sure it matches what your employees need to stay healthy.

Also check the plan’s network of doctors and hospitals. It’s important that your employees can easily access care without having to travel far or pay extra.
Another factor to consider is how easy it is to use and manage the plan. Some plans come with online portals that make it easy to check benefits and file claims.
Others may offer helpful customer service that can guide you and your employees through any questions you may have.

Finally, think about the future. Your business and your team’s needs may change. Look for a plan that offers some flexibility. You may need to add more coverage or modify your plan as your business grows.

Find the right coverage

Choosing the right small business health insurance plan in New York requires careful consideration of the different options. By understanding the unique needs of your business and your employees, you can choose the plan that’s right for you!

Since 2005, Health Plans NY has been helping small business owners save money and improve their group insurance plans. Contact us today to find out how we can help!

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