Health insurance in New York is as important as in any other state or city of the US. As one of the top 20 healthiest states in America, New Yorkers still need health insurance. Even if you’re in top quality health, accidents can happen and that’s when health insurance steps in. Living in The Empire State, you have access to thousands of medical providers, but it’s essential to understand how your insurance cooperates with different providers.
New York Health Insurance Quotes and Facts
If you’re looking for New York health insurance and don’t know where to start, analyze your needs. Are you an individual who rarely gets sick? Or are you a growing family with young children? No matter where you stand, make sure you purchase health insurance. It’s essential to getting the preventive care you need, which helps stave off more serious health issues. There are many ways to get New York health insurance.
New York Medical Insurance Statistics
Understanding New York health insurance statistics allows to see where many people get there insurance from, which gives you a possible avenue of pursuit. Of course, if you have high insurance premiums, looking at the number of people who are uninsured can explain, in some part, why your premiums cost more. These facts can also give you an idea of what to expect if you’re entering the hospital
Consider the following statistics about health care coverage in New York:
- Total New York Residents – 19,218,000
- New York uninsured residents – 14%
- Total New York HMO enrollment – 6,071,399
- Average annual employee premium in New York employer-sponsored plan (after employer contrib): $1,150
- Average New York hospital cost per inpatient day (before insurance) – $1,883
Consider the following statistics about health care coverage in the U.S.
Health Insurance Coverage of the Total Population, U.S. (2011)
- Employer: 49%
- Individual: 5%
- Medicaid: 16%
- Medicare: 13%
- Uninsured: 16%
Source data according to the Kaiser Family Foundation:
- Total HMO Enrollment, July 2011: 70,239,338
- Average Single Premium per Enrolled Employee For Employer-Based Health Insurance, 2011: $1,090
- Hospital Adjusted Expenses per Inpatient Day, 2010: $1,910
New York state government health insurance resources
- Federal Health Care Reform in New York State : This site illustrate how the state will implement the health benefit exchange and allows citizens to find health insurance.
- New York state Department of Financial Services : This site has multiple resources geared towards citizens to help navigate the field of insurance. Resources for consumers, insurers, and providers of health insurance.
- New York Health Benefit Exchange: The official health benefits exchange for New York state. This is helpful for individuals, families, small business owners, and stake holders who need more information about the new state exchanges.
- New York Department of Health: Information for a healthy New York.
- Corning Tower, Empire State Plaza, Albany, NY 12237
- Public health duty officer helpline: 1-866-881-2809: Only use this number during nights and weekend for public health emergencies.
The Cost of a New York Health Insurance Quote
We all realize that healthcare is important but cost still factors into many New Yorker’s policy decisions. It’s a necessary concern. It can be very expensive to go without insurance, but you don’t want to overpay for insurance that you don’t really need. In New York, young adults can stay on parents insurance until the age of 29, but if you need to find your own insurance, it needs to be affordable. Consider some of the following suggestions.
If you’re currently uninsured, it can be hard to find an accurate New York health insurance quote. There are so many options that sometimes, speaking to a professional is the best way to find a plan that meets your needs. Will an HDHP plan paired with an HSA best for you? These plans require a high deductible, but also include a medical savings account which builds tax free interest.
If you already have insurance, don’t be afraid to do your research and switch providers if necessary. Obviously you can’t change in the middle of your policy, but the next time your policy is up for renewal, make sure you’ve researched your options. It’s always good to sit down an re-evaluate your needs. Even if you’re allowed to stay on your parents insurance, is that the best idea? Not really if they have a strict provider list and you’re living five states away.
Getting New York health insurance doesn’t have to be hard. Understanding your options will lead you to the right insurance plan. If you get discouraged, don’t forget that there are always professional resources to help you with your search.