Health insurance & Medicare · New York, NY (New York County)
Small-Business Group Health Insurance in New York, New York
11.4% of New York workers are self-employed, above the U.S. figure of 9.8%. Self-employed people have no employer plan for health, life or disability coverage. Group health, dental and vision options for small employers, plus help comparing a traditional group plan with alternatives such as an individual coverage HRA (ICHRA) or QSEHRA. Olive, a licensed agent with Manna Financial Services, helps New York, NY households compare small-business group health insurance by phone or video, and the first conversation is free.
What matters for small-business group health insurance in New York
11.4% of New York workers are self-employed (U.S.: 9.8%). Owners often need to cover themselves as well as their team, so we look at personal and business coverage together.
New York by the numbers
- 11.4% of New York workers are self-employed, above the U.S. figure of 9.8%. Self-employed people have no employer plan for health, life or disability coverage.
- 9.4% of New York adults aged 19 to 64 have no health insurance, below the U.S. rate of 11.1%.
- 32.8% of New York homes are owner-occupied (U.S.: 65.0%), and the median home value is $734,900, well above the U.S. median of $303,400.
- 26.8% of New York households include children under 18, below the U.S. figure of 29.8%.
New York and nearby communities
| Place | Self-employed | Uninsured adults 19–64 | Median household income |
|---|---|---|---|
| New York | 11.4% | 9.4% | $79,713 |
| Philadelphia | 7.9% | 9.6% | $60,698 |
| Boston | 7.9% | 4.2% | $94,755 |
| Baltimore | 7.2% | 8.1% | $59,826 |
| U.S. | 9.8% | 11.1% | $78,538 |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates.
How we help with small-business group health insurance
- Small-group health, dental and vision quotes from several insurers
- Explain contribution and participation requirements
- Compare a group plan with ICHRA or QSEHRA reimbursement
- Employee enrollment support and renewal reviews
Read our full guide to small-business group health insurance
Rules that apply in New York
- New York residents buy individual and family Marketplace plans through HealthCare.gov or their state exchange. Plans and prices vary by county.
- Open Enrollment typically runs November 1 to January 15. Enroll by December 15 for coverage that starts January 1.
- Outside Open Enrollment, a qualifying life event such as losing other coverage, moving, marriage or a new baby opens a Special Enrollment Period.
- Marketplace premiums are the same with or without an agent. Insurance companies pay the agent.
Questions from New York
How many employees do I need for a group plan?
Many small-group plans start at two enrolled employees, one of whom is not the owner or spouse, but rules vary by state and insurer. We confirm the requirements for your situation.
Do I need to visit an office in New York?
No. Olive works with New York and New York County households by phone or video, so you can compare options from home. Most applications and signatures can be completed online.
Small-Business Group Health Insurance near New York
Talk with Olive about small-business group health insurance.
Free, no obligation, by phone or video. Or call or text (937) 388-5346.