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FREE HR Hotline

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Included when you work with us

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FREE Employee Human Resource Portal

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Click on a plan to read more!

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Oxford Health Insurance, now known as United Healthcare, has earned its reputation as the premier provider of small business insurance plans in New York. Their exceptional service and extensive network of top-notch doctors have made Oxford the preferred choice for health insurance among three-quarters of New York employers.

​To search the MD network click link - Oxford Doctor Search 


Oxford United Health offers a trifecta of excellent networks: Freedom, Liberty, and Metro. The Freedom Plan boasts the largest network of MDs in New York. In contrast, the Liberty network offers a more cost-effective insurance alternative without compromising quality. On the other hand, the Metro network, though smaller, is providing low-cost health insurance ny. Freedom and Liberty networks grant your employees national coverage through United Healthcare's Choice Plus Network.

Oxford Health Group extends its health insurance options across the state, encompassing Downstate New York, the five boroughs, Long Island, Westchester, and the mid-to-upstate regions, stretching to Ulster and Sullivan County. It's important to note that Oxford United Health has introduced new participation requirements for Non-HMO plans. The rule stipulates that, after valid waivers, at least 60% of employees must participate. However, Liberty HMO plans remain exempt from these participation requirements.

For added flexibility, you can mix and match various Oxford Health Plans to cater to highly compensated employees with a buy-up option while still providing an affordable plan for the rest of your staff. If you believe that Oxford Health Plans align with the needs of your small business, we would be delighted to discuss the benefits and costs tailored specifically to your business requirements.

Oxford Health Insurance offers diverse plans, including EPO, PPO, HMO, and HSA options to suit your preferences.


Aetna Health Insurance for small business ranks second to Oxford in delivering high-quality service and boasting an extensive network. Aetna Small Business insurance plans are accessible across all counties in New York. Like Oxford, Aetna Small Group Plans mandates a 60% enrollment rate among full-time employees after valid waivers for their Non-HMO plans.

​To search the MD network click link - Aetna Doctor Search 

In 2023, Aetna small business plans introduced its Saving Plus plans, designed to offer reduced rates and direct competition with the Oxford Metro plan. Aetna's Saving Plus Plans are an excellent choice, particularly for new businesses or ventures seeking to provide benefits for the first time. Suppose you are a new small business owner seeking guidance on your small business health insurance options. In that case, we can provide comprehensive information about the costs and benefits Aetna Health Insurance offers.


Notably, employees are eligible to utilize the Aetna national network, albeit with some special rules that apply."

 See Aetna Downstate Q3 rates here.


Anthem BC/BS New York Small Business Health Insurance offerings include the traditional national EPO/PPO network, which boasts the largest network of healthcare providers in New York. Anthem offers a variety of plans to cater to your specific needs, including options with the comprehensive EPO/PPO network, the slightly smaller Blue Access network, and the most streamlined network known as Connection.

Anthem's coverage extends to businesses in New York City, Long Island, Mid-Hudson, and Albany regions. Importantly, Anthem plans are designed for nationwide use, meaning your employees can access care wherever they are within the United States without needing referrals. Empire offers the most affordable health insurance NYC.

In addition to the flexibility in network options, Anthem allows for the enrollment of almost unlimited out-of-area employees. To find healthcare providers within our network, you can use our Anthem Blue Cross Insurance doctor search tool, and for hospital information, please refer to our Anthem Hospital Chart.


To search the MD network click link - Anthem Doctor Search 


Are you searching for an affordable health insurance plan for your small business? Emblem Health Plans HMO offerings are among the most cost-effective options available in New York City. Specifically, Emblem Prime plans are accessible in Queens, Nassau, Richmond, New York, Kings, the Bronx, Westchester, and Rockland Counties.

EmblemHealth Prime plans are built around the Tristate Network, comprising Emblem Prime in New York, ConnectiCare in Connecticut, and Qualcare in New Jersey. Meanwhile, EmblemHealth Select Care and Millennium Networks cater to the New York City area, Nassau, Suffolk, and Westchester counties.

Emblem Health Plans continues offering HMO plans for small businesses without participation requirements. Emblem Health Insurance is an excellent choice for employers looking to save costs while delivering a robust employee benefits plan.

If you want to provide your employees with a high-quality benefits plan at an affordable rate, don't hesitate to inquire about Emblem Health Insurance. As of August 1, 2020, EmblemHealth Network POS plans include national coverage through the FirstHealth Network.

See Emblem Group Rates 1st Q 2022

To search the MD network click link - EmblemHealth Doctor Search -


Oscar's low-cost health insurance NY collaborates with the LI Health Network Hospital system, Mount Sinai Hospital system, and Montefiore Hospital to provide healthcare coverage. Oscar offers a high-tech concierge service to help you manage your medical needs efficiently.

Oscar's enrollment requirements stipulate a 51% participation rate after valid waivers. Their coverage is accessible to small businesses in New York, encompassing Manhattan, Queens, Bronx, Staten Island, Westchester, Rockland, Nassau, and Suffolk counties.

In 2023, Oscar presents some of the most competitively priced, fully insured plans in Nassau and Suffolk counties, making them an excellent choice for businesses seeking affordable healthcare solutions.

Oscar Circle Plus Downstate Q3 Rates.


Healthpass stands as a private benefit exchange exclusively designed for small businesses. Within Healthpass, you can access various healthcare options, including EPO and HMO plans offered by Oxford and Empire Blue Cross. Through our private small business exchange, you can seamlessly provide your employees with the choice of Oxford or Empire Blue Cross health plans and various ancillary insurance options, such as dental and vision coverage, all conveniently consolidated into a single group bill.

We have a strategic solution for businesses that fall under the purview of ACA penalties due to having over 50 full-time equivalent employees. Consider pairing Healthpass with our Magnacare minimum-value PPO plans. This move can reduce your employees' contribution rates by half, ensuring compliance while minimizing the financial impact on your workforce."

As a hardworking small business owner, you need a healthcare company that understands your employees the way you do. With over 20 years in New York and more than one million members and growing, Healthfirst is here for you and your employees with top-rated health plans that fit New Yorkers of all ages, backgrounds, and income levels.

HealthFirst Insurance rates can be as much as 1/3 lower than comparable plans from Aetna, Oxford, United Helathcare, or EmblemHealth in the downstate counties of Kings, Queens, Richmond, New York, Nassau, Suffolk or the Bronx.


​Comprehensive benefits that include dental and vision coverage, 24/7 telemedicine access, acupuncture, exercise rewards, and even more to help members get active and stay healthy

  • Members have access to a broad network of providers and dozens of industry-leading hospitals

  • Member service offered in the many languages

  • Community locations throughout New York City and Long Island, where members can ask questions about their coverage and learn about community events

  • No-referrals

  • Acupuncture and gym subsidy plans


If you’re a small business owner with 1-100 employees and need healthcare coverage for your business, find out now how Healthfirst can help.

See Healthfirst Pro Plans Q1 2022 here

See Healthfirst Pro Plus Plans Q1 2022 here

See Healthfirst Pro Q3 2021 EPO here

See Healthfirst Pro Plus Q3 2021 EPO here

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The New York Health Alliance is the ultimate employee benefits marketplace for Business Owners — bringing consumer choice benefits to the Small Business market as well as the Individual market within the state of New York. The NYHA offers plans and products from competing health insurers: CareConnect, MVP Health Care and Oscar.

In addition to our health care partners, the NYHA also offers plans and products from competing ancillary insurers: Colonial Voluntary, ShelterPoint and Guardian Life. These partners can provide products such as dental, vision, term life, LTD, STD, AD&D, DBL, Medical Bridge, HRA / HSA Admin, COBRA Administration, Payroll Service, making the New York Health Alliance the ultimate employee benefit market place.

With the NYHA, your employees choose from a full menu of Health & Ancillary benefit plans, which include: EPO, PPO, and High Deductible type plans. Employees fill out a universal enrollment form showing all available plan options, and the employer receives one simple bill.

Select! Don’t Settle!


Cigna offers group insurance coverage to employers with 51 or more full-time employees, as well as administrative services for self-funded plans with as few as 25 full-time employees in most states. If you think your small business would benefit from group insurance coverage with Cigna, let us know and NY Small Health can help you get started.

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UnitedHealthcare is the number one health insurance company in the country with an excellent local and national network. Plans are available in all counties in upstate New York. Downstate New York counties are serviced by Oxford Health Plans [UnitedHealthcare company]. UnitedHealthcare offers three plans in downstate NY as part of the North Shore LIJ CareConnect network.


To search the MD network click link – UnitedHealthcare Doctor Search 


Capital District Physicians Health Plan (CDPHP) presents a comprehensive selection of health insurance options, including PPO, EPO, HMO plans, and high-deductible health plans compatible with Health Savings Accounts (HSA) and Health Reimbursement Arrangements (HRA). Notably, CDPHP offers some of the most competitive rates in the Eastern/Central Capital region of New York State.

CDPHP proudly holds the distinction of being the highest-rated health insurance company in New York State. Their high-deductible plans (HSA/HRA) stand out as the most cost-effective health plans available anywhere in New York. When designing your health plans, CDPHP provides a range of options, ensuring you can choose the plan that best suits your organization's needs.

For CDPHP Health Plans (EPO/PPO), a minimum enrollment requirement of 50% of all full-time employees is necessary. However, HMO plans have no participation requirements, offering added flexibility. Plus, CDPHP eliminates the need for referrals, streamlining the healthcare process. Additionally, you can access a national network through the FirstHealth National network for claims arising outside of New York State.

To search the MD network click link – CDPHP Doctor Search


MVP Health Care extends its coverage to most counties north of New York City, offering a range of health insurance options that include EPO, PPO, and high-deductible plans compatible with Health Savings Accounts (HSA) or Health Reimbursement Arrangements (HRA).

One noteworthy feature of MVP Health Care is its flexibility when it comes to enrollment. They currently have no minimum enrollment requirements, making it accessible for groups of two or more employees or even as few as just one employee to enroll in their plans. Moreover, MVP allows for the enrollment of out-of-area employees without any restrictions, enabling the utilization of the Cigna national network for healthcare services.

 To search the MD network click link - MVP doctor search


Univera Healthcare operates as a subsidiary of Excellus Blue Cross, primarily serving the Buffalo region, which includes Allegany, Cattaraugus, Chautauqua, Erie, Genesee, Niagara, Orleans, and Wyoming counties. Univera specializes in providing health insurance solutions and offers a diverse range of plans, including EPO, PPO, and High Deductible Health Plans (HSA/HRA).

For businesses considering Univera, it's important to note that they require a 75% participation rate after valid waivers. This requirement ensures that many eligible employees enroll in their plans, promoting comprehensive coverage. Additionally, Univera extends its services to individuals in these regions, offering a variety of individual health insurance plans to meet personal needs.


 To search the MD network click link -Univera Healthcare Doctor Search


We are happy to answer any of your questions at NY Small Health.

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