New York options for 1099 contractors
New York uses pure community rating — a 25-year-old and a 64-year-old pay the same marketplace premium — and the state restricts most non-ACA plans. Private options in New York are narrower than in other states, so the honest answer here is usually a careful comparison, not a promise of savings. New York has no individual mandate penalty, but it has the strictest insurance rules in the country. Private PPO plans on the MagnaCare PPO networks are available to healthy applicants in New York; marketplace plans through NY State of Health are available to everyone during open enrollment.
For New York-specific guides, city pages and pricing, visit our sister site newyorkprivatehealth.com.