Two markets, one of them probably better for you
If your after-expense income qualifies for a NY State of Health subsidy, that is the most affordable coverage available and we will tell you so. If you are above the subsidy line and healthy — the usual profile for 1099 workers — a private PPO on the MagnaCare PPO network is priced on your health, not your income, and is typically 30–50% less than full marketplace price.
What to expect
A 15-minute call. We run both markets for your ZIP, check your doctors against the PPO network, and show you the numbers side by side. If private is a fit, enrollment takes about 15 minutes online and approval usually comes within 48 hours. If it is not, we help you pick the right marketplace plan.
Taxes
New York (and New York City) income taxes are among the highest in the country, so the self-employed premium deduction is worth real money here.