Finding the right health insurance in New York means picking a provider that combines coverage, cost, and customer experience. New York has a robust marketplace and strong Medicare options. Here are the top companies to consider for individual, family, and senior coverage.
1. Independent Health
Why it stands out
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Earned top marks in New York for overall value—balancing premiums, coverage, and customer satisfaction.
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Silver-tier plans average around $520/month.
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Features low out-of-pocket costs and strong claims approval rates—ideal for most people.
Best for: Individuals and families seeking reliable, high-value marketplace coverage.
2. Fidelis Care
Why it ranks high
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Known for low out-of-pocket maximums.
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Helps clients save even before insurance kicks in.
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Widely accessible across the state, with strong service and affordability.
Best for: Low-to-mid income individuals or families aiming to minimize unexpected health costs.
3. EmblemHealth
Why to consider
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One of New York’s largest nonprofit insurers.
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Offers a $0-premium Essential Plan that includes adult dental, vision, and virtual care—no referrals needed.
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Strong presence in both city and upstate regions.
Best for: Those eligible for the Essential Plan or seeking comprehensive basic care without monthly premiums.
4. Anthem Blue Cross Blue Shield (Empire BCBS)
Why it performs
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Major marketplace provider under the Empire BCBS umbrella.
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Offers a wide range of HMO and PPO options.
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Trusted provider with extensive network access statewide.
Best for: Individuals with brand recognition priorities and those wanting both HMO and PPO options.
5. Oscar Health
Why it’s notable
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Combines tech-driven service with traditional insurance benefits.
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Offers perks like free telehealth, 24/7 doctor access, and wellness rewards.
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Growing individual and Medicare Advantage memberships.
Best for: Millennials, tech-savvy users, and those interested in added digital health tools.
6. UnitedHealthcare / AARP (Medicare Supplement)
Why it's top for Medigap
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Dominates with over 80% market share in New York for Medigap plans.
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Highly rated for Plan G and Plan N offerings.
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Competitive premiums (Plan G around $325/month, Plan N about $260/month).
Best for: Seniors seeking reliable Medicare Supplement coverage with strong service behind it.
7. Mutual of Omaha (Medicare Supplement)
Why it shines
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Also highly rated for Plan G and N.
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Known for competitive pricing and quality customer service.
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Offers a strong alternative to AARP/UnitedHealthcare.
Best for: Retirees wanting options beyond the biggest provider.
Summary Comparison
| Provider | Best For | Average Monthly Cost | Highlights |
|---|---|---|---|
| Independent Health | High-value marketplace coverage | ~$520 (Silver plan) | Low out-of-pocket, top consumer rating |
| Fidelis Care | Low out-of-pocket costs | Varies, budget friendly | Excellent MOOP performance |
| EmblemHealth | Essential plans with no premium | $0 premium | Includes dental, vision, telehealth |
| Anthem BCBS (Empire) | Broad HMO/PPO access | Varies | Statewide reach and solid networks |
| Oscar Health | Tech-savvy, innovative individual plans | Competitive | Free telehealth, wellness incentives |
| AARP/UnitedHealthcare | Medigap Plan G or N for seniors | ~$260–325 | Largest market share, highly rated |
| Mutual of Omaha | Medigap alternative option | Similar to UHC | Strong service and competitive pricing |
How to Pick the Right Plan
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Plan type: Individual/family plan vs. Medicare Supplement.
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Cost vs. coverage: Silver plans balance monthly premiums and out-of-pocket expenses.
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Network access: Verify your preferred doctors are covered.
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Special programs: Check for perks like telehealth, vision, or wellness rewards.
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Senior needs: Compare Plan G vs. Plan N—cost vs. coverage.
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Independent Health offers strong combined value for New Yorkers.
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Fidelis and Anthem BCBS serve well depending on cost or network needs.
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EmblemHealth is a standout for $0 premium Essential plans.
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Oscar provides innovation and convenience.
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For seniors, AARP/UnitedHealthcare leads in Medigap coverage, with Mutual of Omaha as a top alternative.
Choosing the right insurer depends on your age, budget, health care needs, and preferred benefits. Let me know if you’d like help comparing quotes, targeting UTM links, or formatting this for other platforms!
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