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2019 NY Small Group Health Plans

by | Oct 22, 2018

Reward your employees with great health insurance and group benefits. See latest affordable plans for small businesses offering coverage with nationally ranked doctors in New York – plus perks that employees love.

Empire 2019

Empire Strikes Back - Empire Blue Cross 2019 Health Plans1. Empire Blue Cross Blue Shield

has announced the new Empire Blue Access Network for 2019.  This networks pairs with the long successful industry leading Empire PPO/EPO network.  The Blue Access plan unifies the Pathways and Priority Network and adds 5,000 more providers. Additionally, the Blue Access network offers access to the national BlueCard PPO program. As a result of Empire Blue Cross participation in the BlueCard PPO program members enjoy unparalleled national access network to 96% of hospitals and 93% of doctors across the country. This national program will be on 18 of 28 plans below.

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Emblem 2019

GHI and HIP2.  2019 EmblemHealth

EmblemHealth, formerly GHI and HIP, has recapitalized and reloaded dynamic plan offerings for 2019. They have had recent 3 years of single digit increases. Emblem has added significant new small group plans for 2019 thats fits the needs and budgets of small businesses. Each plan offers quality coverage with comprehensive benefits and network access.

New Expanded Prime Network: Access to a narrow and broad network

NYS – EmblemHealth has expanded small group Prime Network to include both the QualCare Network in New Jersey another ConnectiCare Network in Connecticut. This is in addition to the current HIP Prime Network in New York. Members can choose from over 90,000 private and group practice health professionals, facilities, and 144 hospitals in 28 New York State counties — all five boroughs of New York City (the Bronx, Brooklyn, Manhattan, Queens, and Staten Island), plus Nassau, Suffolk, Orange, Rockland, and Westchester counties, and upstate areas that stretch north of Albany.

CT – The ConnectiCare HMO Network has 17,000 primary care providers and specialists, and 33 hospitals in all eight counties in the State of Connecticut.

NJ – The QualCare HMO Network includes 26,000 primary care providers and specialists, and 76 hospitals in all 21 counties across the State of New Jersey.

New Select Care Network

It is a smaller subset of the larger Prime Network. It includes over 41,000 health care professionals, facilities, and hospitals throughout 28 counties in New York State. PRIME vs. SELECT NETWORKClick Here

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Healthfirst 2019

3.  2019 Healthfirst Plans

Healthfirst has released affordable new 2019 plans for NY small businesses and not a moment too soon. With the recent exit of popular CareConnect of NY the market is starving for an affordable option.


Healthfirst’s new January 2019 rates are in fact virtually the same as 4th Q 2018. Example, a single rate is approximately $16 or 1.7% higher. Todays largest networks with popular in-network only GOLD are priced at $900/single monthly. By comparison the Healthfirst Gold plan is $732 annually or 18% less expensive. For platinum the price gap jumps are even higher – $1100/single vs $896/single.

  • Members have access to a broad network of providers and dozens of industry-leading hospitals.
  • Community locations throughout New York City, Long Island and parts of Westchester.
  • Dental and vision coverage, 24/7 telemedicine access, acupuncture, exercise reward programs.
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OSCAR 2019

New Oscar Circle Plus

4. 2019 New Oscar Circle Plus

The Google of health insurance?  Oscar entered the NY market on Jan 1, 2014 and had around 16,000 members. In 2015, it expanded coverage to New Jersey and grew to about 40,000 members. In 2016, Oscar had 145,000 members in New York, New Jersey, California, and Texas. Oscar’s cutting edge technology and pioneering benefits have simplified the consumer health insurance experience propelled easier access and understanding of health plans.  Examples of success have been ease of physician locator, online appointment setting and no cost telemedicine 24/7.  Additionally, some plans have $0 Copay generics and annual 3 free office visits

The Numbers:

  • NY based with 900+ employees
  • 260,000 members across 6 states
  • $890M raised from top investors (Fidelity, Goldman Sachs, Google, etc.)
  • $375M investment from Alphabet Inc. (Google parent company)
  • For more details, check out our CEO Mario’s interview in the Wired story: Health Care is Broken. Google Thinks Oscar Health Can Fix It)
  • Delivered an underwriting profit in 2017
  • Expecting $1B in revenues in 2018
  • After doubling footprint for 2018, Oscar is on-track for 3x growth.
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Oxford Metro 2019

5.   2019 Oxford Metro Network NY

Oxford has expanded on their successful Oxford Metro Network plan released in 2016. For 2019 the network has expanded with most Metro plans enjoying rate reductions for 2019.

The NY network has grown to approx. 12,000 Primary Care Providers, 29,000 Specialists and 71 hospitals.  Furthermore, the Oxford Garden State network has been added as well onto the Metro Network.  The Garden State network alone has access to 23,000 physicians and 62 hospitals.

All Metal Levels will be included for all size groups including 1-99 & 100+. The new Oxford Metro plan will be limited to NY and NJ Garden State Network Providers. Referrals will be needed to see Specialists.  Importantly, most NY Hospitals will be participating with the EXCEPTION of NYU Health System, North Shore LIJ Health System (NorthWell Health) and Maimonides Medical Center. In addition, certain key medical IPA Groups such as Caremount, formerly Mt Kisko Medical Group,  are NOT in the network.

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With over three decades of combined experience working with all of the major insurance companies, we put business owners in the driver’s seat to buy a company policy on their terms and their budget. Most business owners enjoy the transparency and the peace of mind of an affordable group health insurance policy that’s aligned with their needs and the needs of their employees.

We offer group health insurance and more for your small business or even insurance planning for your personal needs. Just scroll up and click the insurance image for more information.

Please contact us TODAY or schedule a demo for a customized analysis for your group-specific needs at or Call (855) 667-4621.

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