2016 Best Individual Health Insurance plans in NY and Long Island

Visit our 2017 Individual Health Insurance information page

We get this question often when asked by prospective clients when they call or email our office. “What is the most popular health insurance plan in NY?” or “What health insurance plan is best for me and my family?” While this question is often not a black and white answer, we do see that with the exit of Health Republic Insurance Co, many people are no longer just shopping by price, but taking a long and hard look at the network of providers, the available Hospitals in network, and balancing that off against the premium to come up with their individual decisions. They are looking more closely at established carriers such as Oxford, and considering more narrow network plans such as Care Connect NSLIJ even if their doctors don’t necessarily participate with the network to help lower their premiums.

Below is a rundown of our recommended carriers and some notes about each one. We find that the best way to start a search for a health plan is to start with your existing doctors. Search the link below to our website, where you can click on the carrier logos to get rates, enrollment forms, benefit outlines, and search the carrier provider networks. Only then should you contact us with a list of which plan(s) have the most of your current doctors, and we can then begin to help you narrow down your choices to come up with the Best Individual Health Plan for you!

2017 Individual Health Insurance information page

Care Connect NSLIJ – (aka Care Connect) – Probably the best priced plan available. Extremely robust Nassau, Queens, and Western Suffolk County network with new inroads in eastern Suffolk, Brooklyn, NYC and Westchester counties. NO referrals to see network specialists.

United Healthcare (Compass Network) – available thru NY State of Health only. Higher premiums than other choices available. Large network with many choices of hospitals and doctors on Long Island and NYC. Requires a referral to see a network specialist. Utilizes United Healthcare COMPASS Network.

Oxford -(METRO Network) – available Off Exchange only. Higher premiums than other choices available. Large network available tri state area. Requires a referral to see a network specialist. Utilizes the Oxford Healthcare METRO Network. 2 or more in household requires you must meet family deductible and OOP limits.

Oscar Lower to mid priced pricing range. Good sized network downstate. NO referrals to see network specialists.