If you're like a lot of people in New York, you probably think about how affordable an employer's group health insurance is before you decide whether or not to take a new job. Even though it's probably not the deciding factor, it probably helps you make a decision in some way. After all, the most affordable way to get health care in New York is usually through an employer-sponsored group health insurance plan, and we all know how expensive health care and individual health insurance plans can be these days.
Even though New York group health insurance is a great way to keep employees healthy and happy, not all employers offer it, and they're not even required to. What should you do if you really want or need the job in front of you, but it doesn't offer medical benefits?
Healthy NY is worth looking into. Healthy NY is a health insurance programme for people in New York who work, are self-employed, or own a small business. As with most health insurance plans, each group of people who are eligible has to meet a set of rules.
For example, working people and people who are self-employed are eligible for affordable health insurance for New Yorkers as long as they are currently employed or have been in the last 12 months and don't have access to group health insurance benefits from their employer. New Yorkers can get Healthy NY if their jobs change or if they lose COBRA benefits or a family member dies.
Small business owners in New York can also join Healthy NY, as long as they have fewer than 50 employees and at least 30 percent of them make less than $35,000. When small business owners in New York use this cheap health insurance, they can also get tax breaks.
Contact the New York State Department of Insurance to learn more about Healthy NY or any other kind of cheap health insurance for New Yorkers.
