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New York

New York Small Business Health Insurance

There are different New York health insurance laws regarding small businesses or the self-employed. Often these types of health insurance policies are easier to qualify for than an individual health insurance policy, even if you are not in the best of health.

This guide:

  • Describes small business health insurance laws in New York.

  • Briefly explains self-employed New York health insurance.

  • Alerts you to a beneficial tax deduction.

We also have a guide to New York health insurance for families and individuals.


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New York small business health insurance regulations

All small businesses are eligible to purchase New York small business health insurance. Also, if a small business has between 2 and 50 employees, New York health insurance companies must offer them a health insurance policy with similar benefits as ones they've sold to other small business. insurance policies.

A small business must also meet minimum enrollment requirements or they risk policy cancellation. In New York, health insurance Companies can require that a certain number of your eligible employees purchase the New York small business health insurance policy and that the employer contributes a specific amount toward his employee's premiums.

The exception to this rule, however, are HMOs, which cannot impose and participation or employer contribution requirements.

The cost of New York small business health insurance is not based on age, gender, occupation, or health status but may vary due to family size and geographic location.

Finally, it is illegal for New York health insurance companies to cancel an existing New York small business health insurance policy on the basis of a illness.

Self-employed New York health insurance regulations

States have different rules for dealing with health insurance for the self-employed. In New York, the owner of a small business may be able to purchase an New York small business health insurance policy, even if there are no other employees.

Since eligibility depends upon your specific circumstance, its best to consult either the New York Department of Insurance or your New York health insurance company.

Sine you may have a choice between buying a New York small business health insurance policy or an individual New York health insurance policy, you'll have to weigh the advantages of both.

If you chose the former, the protections and advantages of having small business health insurance is guaranteed to you. If you chose the latter, a large part of your premiums can be deducted from your taxes.

More NY small business health insurance help

If you want more help getting the a good health insurance policy, read our guide to small business health insurance.

To find out more about NY group health insurance laws and regulations, visit the official website of the New York Insurance Department.





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This internet site provides information of a general nature for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent insurance professional licensed in your state with respect to your particular situation.