Health Insurance for the Self-Employed in New York

Health insurance for the self-employed in new york is important. A sole self-employed person or business owner is permitted to purchase a small business health insurance plan in New York State . If you have two or more employees, it will be helpful to evaluate the benefits difference between individual health insurance policies and small business policies. With small business health insurance, the benefits are guaranteed. Individual health insurance payments can be deducted from your taxes. Both possibilities should be considered especially for the self-employed living in expensive areas like New York City .

New York policies are only allowed to include a pre-existing condition exclusion period for twelve months. Individual health insurance plans are bound by law to grant insurance to you and your family. The state also offers a hotline at 1-866-694-6743 for the “seriously ill and their caregivers.”

Health Insurance Policies for Self-Employed New Yorkers

A state organization called Healthy NY , “For Small Businesses and Individuals,” targets people without insurance as well as small employers who have not offered health insurance in the last 12 months. By law, all small businesses must offer Healthy NY to all employees working more than 20 hours a week and earning $33,000 or less a year. HMOs in each county administer the program.

The self-employed in New York have health insurance options and should consider and weigh the different plans available locally and nationwide. NASRO (National Organization of Socially Responsible Individuals) offers plans for the self-employed around the country. This organization is a policy advocate, “fighting for the self-employed, employees, and small businesses.” As more organizations and health plans recognize the increasing trend of self-employment and home businesses, hopefully even more options will be available to the self-employed in New York and elsewhere.

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