Considering that self-employed individuals such as freelancers, consultants as well as small business owners pay for their own coverage, it can be quite challenging to get the best health insurance plan. 

The good news is that self-employed health insurance comes with flexible coverage and for small business owners with workers, employee contributions can vary, as they are dependent on the plan in question.

If you have employees, typically workers with income you report on a W2 at year’s end, you are considered an employer. In this case, you will have to buy health insurance for yourself and your employees using the SHOP Marketplace. 

Benefits of Self-Employed Health Insurance In New York

• Monthly premiums can be a deductible line item in tax returns
• Flexible enough to change income levels
• Access to subsidies to help with coverage costs

What Health Insurance Options Are Available To Me?

Sole Proprietorship Plan

This health insurance option is available to self-employed individuals in New York. To be eligible for this, your business needs to be run as a sole proprietorship. Being self-employed doesn't make you ineligible to apply for a guaranteed issue small group health plan in New York.

Individual Plan

You should understand that being self-employed in New York does not exempt you from getting coverage via an individual health insurance policy. 

One of the major benefits is that health insurance rates for individual plans in New York are extremely competitive. If you are interested in learning more about this and getting quotes, simply fill out the Very Good Coverage Quote Form.

Group Plan

This option is also available to self-employed New York. Any group of 2 employees with an employer can be considered eligible for a small group health insurance policy in New York. This means if you have a business and a full time worker, you can apply for group health insurance coverage. 

If you run your business as a sole proprietorship, you cannot use this option.

Health Insurance Companies In New York

• Empire BlueCross
• Oxford Health Plan
• Aetna
• GHI
• Blue Cross Blue Shield
• Excellus Blue Shield
• Independent Health
  

Very Good Coverage helps you find the best prices and benefits when researching self-employed health insurance policies. We understand that self-employed individuals need quality healthcare benefits at prices that don’t hurt your pockets. 

We also understand that coverage flexibility for you and for any prospective employees is necessary. 

That’s why we have taken the guesswork out of health insurance shopping. All you need to do is fill out the form with your preferences and you get a quote that matches your health insurance needs.