Are there New York health insurance companies that offer individual health plans that don’t range from $400 to $500 per month? I’m healthy, with no pre-existing conditions. Any suggestions?

Most New York health insurance companies offer great health insurance. But most of them have a bit of a reputation for their expensive plans. There are ways to find a less expensive health plan though. First of all, you can look around online insurance agencies and get quotes, compare their different plans, and apply for coverage online. I ran some quotes online for a 30-year old male living in New York City and found a few plans under $400 a month. The rates may vary as you give them information about yourself and the insurer may change rates anytime, but it’s worth giving a quick look.

Other New York health insurance plans I found with higher deductible or that provides only hospital coverage range from $100 to $300. An insurance plan for a 30-year old male in New York, that doesn’t cover regular doctor visits or prescription drug quotes at $137 a month. If you say you’re healthy and you can pay monthly premiums at that range, then you may consider the type of health insurance plan with lower deductible.

I also suggest that you ask an insurance agent rather than get quotes directly from New York health insurance companies. If the agent represents multiple companies, then you have better options for choosing a good health insurance plan that’s within your budget.

Answer by general public - June 16, 2009 at 4:21 pm.

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