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New York coverage for self-employed people and families
Most New York households without a large-employer plan shop in the same individual market — with a few family-specific and small-business rules worth knowing.
Self-employed and 1099 workers in New York
Some self-employed people deduct health insurance premiums on a federal tax return. That is a tax question, not an insurance-underwriting question, and it depends on your facts. This site does not provide tax advice; speak with a tax professional about deductions, estimated payments, and how income estimates interact with Marketplace credits.
If a small employer offers an ICHRA or QSEHRA
An individual coverage Health Reimbursement Arrangement (ICHRA, sometimes described by employers under another name) or a Qualified Small Employer HRA can help a worker pay for individual coverage. An offer of an individual-coverage HRA can also open a Marketplace Special Enrollment Period. If you qualify through an HRA offer, you may need to complete enrollment with the Marketplace or its call center rather than only online. These arrangements are for employees (and sometimes their families) of a participating employer; they are not a generic “self-employed subsidy.”
Source: HealthCare.gov Special Enrollment Periods.
Families living in New York
Under the ACA, children can generally stay on a parent’s plan until age 26, without having to be a student or a tax dependent.
Source: HealthCare.gov Special Enrollment Periods.
What we need to compare family or self-employed options
- New York ZIP code and county of residence (networks are local).
- Ages of each person to be covered, and tobacco use as insurers define it.
- Whether anyone has an offer of job-based coverage or an HRA.
- Doctors, hospitals, and prescriptions you hope to keep — we check networks, we cannot guarantee a provider will remain in-network.
- Whether you want a Marketplace eligibility check, an off-Exchange ACA option, or only a temporary short-term policy.
Please do not send Social Security numbers, tax returns, or detailed medical records through the public form on this site.
We are also appointed with private individual and small-business options used by self-employed people, including, but not limited to, the private carriers and the PHCS/MultiPlan PPO network listed on our Carriers page — alongside the New York Marketplace and ACA issuers we are appointed with for plan years 2020–2027. An appointment does not mean every product is sold in every New York ZIP code.