New York Health Insurance Plans and Healthshare Programs

HSA for America Offers New York Health Insurance Plans and Healthshare programs at the Lowest Rates Available!


Rates shown are non-subsidized premiums. Most people will have lower rates than this after tax credits. Contact us for an exact quote.

Learn more about available health insurance plans


Health sharing plans are not insurance but a more affordable way to make sure your family is protected from unexpected medical expenses.

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We have indicated the most popular option we offer in NY in the list of health insurance carriers and health sharing organizations that we represent below. Easily compare plans and rates when you run a health insurance instant quote or a healthshare instant quote.

New York requires health insurance plans to charge the same regardless of age, resulting in very high rates for younger people. Most health sharing contribution amounts are tiered by age.


Altrua Healthshare has thousands of members in a majority of the states. Members of healthshare plans are exempt from the requirements of the Affordable Care Act, including the requirement to purchase a government-approved health insurance plan.

Altrua is known as being very easy to work with.


Read More about Altrua Healthshare

DPC Direct is a non-insurance health sharing program designed specifically for people who are members of a Direct Primary Care medical clinic. DPC clinics charge a low monthly fee to cover all primary care, including preventive care and unlimited doctor visits, while the DPC Direct protects from emergency and hospitalization expenses. (Read more about Direct Primary Care in our Complete Guide to Direct Primary Care).

Read More about DPC Direct DPC Direct

Excellus BCBS has more than 80 years of experience within the health insurance industry. Excellus BCBS of NY offers a wide array of health insurance options based upon personal lifestyle needs.

Excellus Blue Cross Blue Shield of New YorkRead More about Excellus BCBS

The HSA Secure is an HSA-qualified MEC insurance plan, combined with a health sharing program that offers unlimited lifetime benefits. The result is a very low-cost program that combines the tax benefits of an HSA with all the flexibility and savings of a healthshare plan.
This is one of our most popular options, and highly recommended. Available to both individuals and small groups.

MPowering Benefits

Best Seller is OneShare Health

Humana offers an excellent value on HSA plans in many areas.  It is often the most attractively priced plan for large families or someone looking for a higher deductible.  In addition to hospitalization, this plan also provides coverage for doctor visits and prescription drugs, which is something many of the lowest priced HSA plans don't do.

Humana Health Insurance
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Medi-share has a strongly worded faith statement, and is popular with people who want a healthshare program with a strong Christian faith component.

Monthly contribution amounts are sometimes not as competitive as other health sharing organizations.
Medishare Plans

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National General Holdings Corp, the parent company of Accident & Health, covers a wide range of insurances from car to homeowner to health. As a division of NGHC, National General Accident & Health is committed to bringing short-term and supplemental coverage to individuals and groups.

National General Holdings Corp
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With three different plan options available, netWell members have access to health plans that are suited to them. Note that health sharing is NOT the same thing as health insurance. In addition to free 24/7 telemedicine, netWell also offers preventive screening benefits that other healthshare plans do not.

Read More about netWell Healthshare Plans   

netWell Healthshare netWell Healthsharing Plans

A subsidiary of the prominent health care sharing ministry NetWell, NetWellRx makes the 605 most-prescribed generic prescription drugs available to subscribers for free.

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OneShare Health is one of the most popular medical cost sharing program we offer. Monthly contributions vary by state, so in some states it is not priced as well, but it often offers the best combination of price and benefits.

This is not health insurance, but rather a more affordable alternative, particularly if you do not qualify for health insurance subsidies.

Read More about Oneshare Health


OneShare Health

netWell Healthshare


Founded in 2012, Oscar Health Insurance is available in Arizona, Florida, Georgia, Iowa, Illinois, Kansas, Michigan, Missouri, North Carolina, Nebraska, New Jersey, New York, Ohio, Oklahoma, Pennsylvania, Tennessee, Texas, and Virginia.

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Univera offers plans for both individuals and businesses, as well as the MyHealth Medicaid program sponsored by the state of New York.

Univera HealthcareRead More about Univera Healthcare

Universal HealthShare has up to seven different sharing programs to choose from. Each program has a unique monthly cost, as well as a specific Non-Shareable Amount (NSA). The NSA is the amount that the member must pay each year before medical costs become eligible for sharing.

Read More about Universal Healthshare



WBA offers a very low-priced supplemental accident plan that will reduce your deductible for any accident, to just $100. To learn more and sign up, visit the Accident Plans page.

Read More about WBA Plans

Accident Health Plans


Health insurance plans that are HSA qualified can be viewed in our health insurance instant quote results. HSA-qualified plans will have a blue HSA symbol.
Choose your state below to get a free individual health insurance quote for both HSA-qualified and non-HSA health insurance plans. For a quote on a group, please fill out this Census Form, or schedule a consultation with one of our small business experts.

Learn more about available health insurance plans


Health sharing plans are not insurance but a more affordable way to make sure your family is protected from unexpected medical expenses. Health sharing means that the group is helping to cover each other's medical bills.
Choose your state below to get a free individual quote on our low-cost health sharing plans. For a quote on a small group, please fill out this Census Form, or schedule a consultation with one of our small business experts.

Learn more about healthshare programs

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Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of actual price is subject to Carriers.