Search all of NY.gov

Press Release: NY State of Health Announces 2018 Insurance Options

Sep 28, 2017

Health and dental insurer options will continue to be robust in every county of the State

Cost of coverage for some individuals will be lower in 2018  

 

ALBANY, NY (September 28, 2017) -- NY State of Health, the state’s official health plan Marketplace today announced the Qualified Health Plan and Essential Plan options that will be available to consumers in 2018. Open Enrollment begins November 1, 2017 and will continue through January 31, 2018.  

“NY State of Health remains strong, offering consumers in every corner of the state a choice of health plan options in 2018. In many cases, after tax credits, many consumers will find that their premiums will be lower in 2018 than they are today.” said NY State of Health Executive Director, Donna Frescatore. “As in past years, NY State of Health will have in-person enrollers and a staffed Customer Service Center ready to help consumers shop for the most affordable plan option.”

Twelve insurers will offer Qualified Health Plans on the individual marketplace in 2018. Many individuals who qualify for federal tax credits to purchase a Qualified Health Plan will see premiums for comparable coverage decrease in 2018.  On average, consumers who select the most popular silver level plan will see a premium decrease by 5 percent.  Consumers in the Capital District and Mid-Hudson regions, Western and Central New York, and Long Island will see larger decreases in premiums after tax credits when purchasing the most popular silver level plans.  Premiums for consumers in New York City after tax credits will remain relatively flat in 2018.

Fifteen insurers will offer the Essential Plan, a unique program for lower income New Yorkers.  Monthly premiums for this plan will continue to be $20 per person or less.  Five insurers will offer coverage on New York State of Health’s Small Business Marketplace, or SHOP.

The recent federal announcement to slash funding for in-person enrollers and advertising for the federally operated health insurance marketplace does not impact New York: “Letting people know about coverage through the Marketplace and helping them enroll in coverage is not only the right thing to do, it’s the smart thing to do because it brings healthier people into the insurance market” said Frescatore. “We’re as committed as ever to ensuring that consumers have enrollment assistance in communities throughout the state.”

New for this Open Enrollment Period, consumers will be able to access the recently launched   NYS Provider & Health Plan Look-Up, an online tool that consumers can use to research provider networks and health plans. With this tool, consumers shopping for health insurance can search for their preferred health care providers, including doctors and hospitals, all in one place to see which health plans have those providers in their network.

 

The insurers that will offer Qualified Health Plans on the Individual Marketplace in 2018 are:

  • Capital District Physicians Health Plan
  • Empire BlueCross and Empire Blue Cross Blue Shield
  • Excellus (Excellus Blue Cross Blue Shield in Central NY and Univera in Western NY)
  • Fidelis Care
  • Health Insurance Plan of Greater New York (EmblemHealth)
  • Healthfirst New York
  • HealthNow New York, Inc. (BlueShield of Northeastern NY; BlueCross BlueShield of Western NY)
  • Independent Health
  • MetroPlus Health Plan
  • MVP Health Plan, Inc.
  • Oscar Insurance Corporation
  • United Healthcare of New York, Inc

The vast majority of Qualified Health Plan consumers will be able to choose to stay with their current insurer in 2018.   Two insurers, Affinity Health Plan and CareConnect, which enroll less than three and five percent of individuals, respectively, will not be offered on the Individual Marketplace in 2018.   Consumers who are enrolled in these plans will receive a renewal notice with information about how to enroll in one of six or more insurers that will be offered in these counties in 2018.  The NY State of Health Customer Service Center and in-person enrollers will be available to assist consumers with selecting new coverage.

The insurers that will offer the Essential Plan in 2018 are:

  • Affinity Health Plan
  • Crystal Run Health Plan
  • Excellus (Excellus Blue Cross Blue Shield in Central NY and Univera in Western NY)
  • Fidelis Care
  • Health Insurance Plan of Greater New York (EmblemHealth)
  • Healthfirst
  • HealthNow New York, Inc. (BlueCross BlueShield of Western NY)
  • HealthPlus HP (Empire BlueCross BlueShield HealthPlus)
  • Independent Health
  • MetroPlus Health Plan
  • Molina Healthcare
  • MVP Health Care
  • United Healthcare
  • WellCare of New York
  • YourCare Health Plan

These are the same insurers currently available, with the addition of Molina Healthcare, which will offer Essential Plan coverage in Central New York, adding to the choices already available to consumers in these counties.   

NY State of Health's Small Business Marketplace offers flexible options for small businesses with 100 or fewer employees. Employers can select the amount they want to contribute toward the cost of their employee's coverage and offer their employees a choice of health plan options without the administrative hassle.

The insurers that will be offered on the Small Business Marketplace, or SHOP, in 2018 are:

  • Excellus (Excellus Blue Cross Blue Shield in Central NY and Univera in Western NY)
  • HealthNow (BlueShield of Northeastern NY; BlueCross BlueShield of Western NY)
  • Independent Health
  • MetroPlus Health Plan
  • MVP Health Plan, Inc.

Three insurers, CareConnect, Capital District Physicians Health Plan (CDPHP), and EmblemHealth will not offer coverage through the SHOP marketplace in 2018.  SHOP products will be available to small employers in all counties except Nassau and Suffolk where employers will continue to be able to purchase small group coverage directly from insurers. 

The Marketplace will also offer the following stand-alone dental plans:

  • Delta Dental Insurance Company (Individual and SHOP)
  • Dentcare (Individual and SHOP)
  • Dentegra Insurance Company(Individual)
  • Empire BlueCross and Empire Blue Cross BlueShield (Individual)
  • Guardian (Individual)
  • HealthNow New York, Inc. (BlueShield of Northeastern NY; BlueCross BlueShield of Western NY) (Individual and SHOP)
  • Healthplex (Individual and SHOP)
  • Solstice (Individual and SHOP)

Individuals currently enrolled in a plan through NY State of Health will receive information about how to renew their coverage for 2018 directly from the Marketplace. Consumers who are new to the Marketplace will be able to enroll in coverage for 2018 when the Open Enrollment Period begins on November 1, 2017. 

Enrollment in the Essential Plan, Medicaid and Child Health Plus is open all year.

 

For additional information, visit the NY State of Health website at https://nystateofhealth.ny.gov.

Interactive maps of the 2018 Health and Dental Plans are available at: http://info.nystateofhealth.ny.gov/PlansMap and http://info.nystateofhealth.ny.gov/EssentialPlanMap

 

###

 

Contact: NY State Department of Health

press@health.ny.gov

518-474-7354 ext. 1

 

About NY State of Health

New York opened its health plan Marketplace, NY State of Health in October 2013. The Marketplace’s one stop health insurance shopping experience offers high quality comprehensive health plans. NY State of Health is the only place where consumers can qualify to get help paying for coverage through premium discounts or tax credits. Eligible New Yorkers can also enroll in Medicaid, Child Health Plus and the Essential Plan through the Marketplace all year.  For more information about the NY State of Health Marketplace, please visit: https://nystateofhealth.ny.gov/   or call Customer Service at 1-855-355-5777, TTY: 1-800-662-1220 or find an enrollment assistor.

 

News Type: 
Press Releases