Home › Blog › PPO Health Insurance in New York for the Self-Employed: Where to Find It
PPO Health Insurance in New York for the Self-Employed: Where to Find It
Ask for a PPO on NY State of Health in New York and you'll mostly find HMOs and EPOs. Here's why, and where PPOs still live.
Why marketplace PPOs vanished
Guaranteed-issue plans attract the highest-cost members, and broad PPO networks are expensive to run for that population. Carriers like Fidelis Care, Healthfirst, Anthem (Empire), EmblemHealth, MVP, and Oscar responded by narrowing networks and dropping out-of-network benefits. The result: most individual plans in New York are built around one hospital system.
Where PPOs still exist
In the private shared-network market. Carriers lease the national MagnaCare PPO PPO networks — the same networks large employers use — and sell underwritten plans on them. No referrals, any in-network specialist, coverage in every state. For self-employed people who travel or want to choose their own doctors, this is usually the only way to get a PPO.
What a New York PPO costs
For healthy individuals, roughly $290–$600 a month depending on age and deductible; families roughly $800–$1,300. You can see live prices on our quoter.
Who qualifies
These plans are underwritten. Generally healthy applicants with no major pre-existing conditions. If that's not you, a marketplace plan is the right answer and we'll say so. New York uses pure community rating — a 25-year-old and a 64-year-old pay the same marketplace premium — and the state restricts most non-ACA plans. Private options in New York are narrower than in other states, so the honest answer here is usually a careful comparison, not a promise of savings.
Check your options to see the PPOs available in your ZIP.