New York Health Insurance Regulations

New York has stringent health insurance regulations - but that doesn't mean you don't need to know them!

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New York health insurance laws

New York health insurance policies include the following:

  • guaranteed renewability provision
  • exclusion period for pre-existing conditions of no more than 12 months.
  • 30 day coverage for newborns and adopted children

New York health insurance regulations

New York health insurance companies can:

  • not deny you health insurance on the basis of your health, age, or gender
  • not charge you higher premiums on the basis of your health, age, or gender

New York health insurance companies must:

  • offer you health insurance.
  • not cancel an existing health insurance policy due to illness.

New York health insurance: temporary policies

Conversion plans or short term health insurance plans are the two available temporary health insurance policies.

Other NY health insurance info

For more help, read our health insurance guide.

Or check out our guide to New York small business health insurance.


For more on NY health insurance, visit the New York Insurance Department.

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