From the bodegas of the Bronx to the brownstones of Brooklyn and the small towns of the Hudson Valley, Plan Finder Hubs connects New Yorkers to licensed NY State of Health advisors who compare Oscar, EmblemHealth, MetroPlus, Anthem, and Aetna — including the Essential Plan, Medicaid, and Child Health Plus. No premiums quoted on the web. No pressure. Real guidance.
New York Carriers We Compare on Your Behalf
Plan Finder Hubs is a New York–licensed navigator portal connecting residents to certified advisors who know the difference between an EmblemHealth GHI HMO and a MetroPlus Gold — and which network actually includes your doctor. Every consultation is free.
We walk you through the official New York marketplace — Bronze through Platinum tiers — comparing Oscar, EmblemHealth, Healthfirst, MetroPlus, and more for your ZIP code.
Unique to New York: near-zero premium coverage for adults under 200% of the Federal Poverty Level. Our advisors confirm eligibility and walk you through Tier 1–4 differences.
Comprehensive coverage for low-income New Yorkers — children, parents, pregnant women, and adults — administered through NY State of Health and managed-care plans.
Quality coverage for children under 19 regardless of immigration status, with low or no monthly premiums based on household income.
Group health, dental, and vision for New York City restaurants, shops, studios, and startups with 1–25 employees — including SHOP marketplace and direct-with-carrier options.
Standalone dental and vision for adults, plus enrollment counseling in English, Spanish, Mandarin, Cantonese, Bengali, and Russian — at no charge.
Whether you're a freelance illustrator in Bushwick, a restaurant owner on Roosevelt Avenue, a family in Yonkers, or a graduate student moving to Ithaca — there is a New York plan for you. We help you find it.
Manhattan, Brooklyn, Queens, the Bronx, and Staten Island each have different MetroPlus, EmblemHealth, and Healthfirst networks. We map your zip code to the right plan.
From the Catskills to the Finger Lakes, upstate networks differ from city plans. We help you find coverage that includes Albany Med, Strong Memorial, or your local rural provider.
Lawfully present immigrants, DACA recipients, and mixed-status families can access Essential Plan, Child Health Plus, and the State-funded coverage expansion. We explain every pathway.
Group health for 1–25 employees in NYC and across the state — including SHOP, off-exchange small group, and ICHRA setups for cafés, bodegas, salons, design studios, and startups.
No marketplace runaround, no automated call trees. A certified New York advisor reads your situation, recommends the right pathway, and walks the enrollment through NY State of Health for you — start to finish.
Share your New York ZIP code, household size, and rough monthly income. Two minutes, no SSN, no commitment — just the information we need to match you to the right NY pathway.
Essential Plan? Medicaid? Qualified Health Plan with subsidy? Child Health Plus? Small Business SHOP? A New York–certified navigator reads your situation and points you to the right door.
We present plans from Oscar, EmblemHealth, MetroPlus, Healthfirst, Anthem, Fidelis, and Aetna side-by-side — with borough-level network checks for your providers and pharmacies.
Your advisor submits your enrollment through the official NY State of Health marketplace (or directly with the carrier) and stays your point of contact for renewals, life events, and claims.
We are an independent enrollment portal staffed by certified NY State of Health navigators and licensed New York insurance brokers. Our entire practice is built around the rules and the realities of the New York marketplace.
We don't dabble in 50 states — we know NY State of Health, the Essential Plan, Child Health Plus, and the borough-by-borough quirks that change which carrier makes sense for you.
Carriers compensate us when you enroll, so our service costs you nothing. We're not paid more to recommend one carrier over another — we're paid the same regardless of who you choose.
Our advisor network includes fluent speakers of Spanish, Mandarin, Cantonese, Bengali, Haitian Creole, and Russian — because health enrollment in New York should never happen in a language you don't speak fluently.
New York has the nation's most rigorous insurance protections — guaranteed issue, community rating, and the Essential Plan. We make sure every right you have under New York law gets used on your behalf.
Every plan includes free enrollment support and a dedicated licensed agent who works for you, not the carriers.
Perfect for healthy individuals ages 18–35
Full family coverage — everyone protected
Tailored group plans for 2–200 employees
Unedited notes from clients across the five boroughs and upstate. Names are real; only initials and last names are shortened for privacy.
I work in a Queens restaurant six days a week. Plan Finder Hubs got me onto the Essential Plan in one phone call — in Spanish. My premium is fifteen dollars a month. I've never felt so taken care of.
Lucía M.Line cook, Jackson Heights
We have two kids and run a small bakery in Park Slope. They walked us through Child Health Plus for the boys and an EmblemHealth Gold plan for my wife and me. Everything got done in a week.
Dmitri & Hana K.Bakery owners, Brooklyn
As a freelance illustrator I'd been uninsured for two years because the marketplace was overwhelming. My advisor sat with me for an hour on Zoom and found an Oscar plan that covered my therapist and my dermatologist. Both.
Avery T.Freelance illustrator, Bushwick
I'm fifty-eight, between jobs, and terrified of an MRI bill before Medicare. Plan Finder Hubs found me a Healthfirst plan that included my cardiologist at Mount Sinai. Lifesaver.
Marcus J.Between roles, Harlem
My family is mixed-status. Other agencies didn't know how to help. Plan Finder Hubs explained every option — for the citizens and the non-citizens — without judgment. The kids are now on CHPlus.
Amara N.Mother of three, the Bronx
We run a 14-person design studio in SoHo and our old broker disappeared. Plan Finder Hubs rebuilt our entire group benefits package in three weeks. Our team has never been happier with their coverage.
Priya R.Studio principal, Manhattan
A few quick questions. A licensed Plan Finder Hubs advisor or one of our marketing partners will reach out with plan options that match your needs.
We'll tailor your options based on who needs coverage.
Health enrollment in New York comes with its own vocabulary — Essential Plan, CHPlus, APTC, SHOP. Here are clear answers, written by our New York advisor team.
The Essential Plan covers New York adults aged 19–64 with household income up to 250% of the Federal Poverty Level (about $37,650 for an individual or $78,000 for a family of four in 2025) who are not eligible for Medicaid or affordable employer coverage. Lawfully present immigrants and, as of 2024, certain DACA recipients also qualify. Monthly premiums range from $0 to about $15 depending on income tier — making it the most affordable comprehensive coverage available in any U.S. state.
Medicaid in New York covers very low-income residents (typically under 138% FPL for adults), pregnant women, children, and people with disabilities — with $0 premiums and minimal cost-sharing. The Essential Plan covers a higher income band (138%–250% FPL) with low monthly premiums ($0–$15) and small copays. Both include dental, vision, drugs, and mental health, and both are administered through NY State of Health. Your Plan Finder Hubs advisor confirms which one you qualify for and handles the enrollment.
Most restaurant workers in NYC qualify for either Medicaid or the Essential Plan based on hourly wage and tips. For workers above the Essential Plan threshold, Healthfirst, MetroPlus, EmblemHealth GHI HMO, and Oscar offer affordable Silver-tier plans with strong NYC networks. We routinely help servers, cooks, dishwashers, baristas, and delivery workers — including those who are tipped, undocumented children of citizens, or in mixed-status households — find coverage that fits their schedule and budget.
It depends on status. Lawfully present immigrants (green-card holders, refugees, asylees, TPS holders) are eligible for Essential Plan and ACA marketplace plans like any other resident. DACA recipients gained access to the Essential Plan and ACA marketplace coverage in 2024. Children in any immigration status are eligible for Child Health Plus. Undocumented adults can still purchase off-exchange coverage and access NYC Care, the city's free/low-cost program through NYC Health + Hospitals. Our multilingual advisors walk through every option without immigration-status judgment.
New York does not require small businesses (under 50 full-time employees) to provide health insurance, but those that do gain access to the SHOP Marketplace through NY State of Health, off-exchange small-group plans, and increasingly popular ICHRA arrangements that let employers reimburse employees for individual coverage tax-free. New York also has unique community-rating rules that make small group rates more stable than in other states. We help NYC restaurants, retail, creative studios, and startups under 25 employees structure benefits that attract talent without breaking the budget.
For 2026 coverage, New York's Open Enrollment runs from November 16, 2025 through January 31, 2026 — longer than the federal window. Coverage starting January 1 requires enrollment by December 15. The Essential Plan, Medicaid, and Child Health Plus enroll year-round with no deadline. Special Enrollment Periods (60-day windows) open after qualifying life events: losing job-based coverage, moving to NY, marriage, divorce, birth, or aging off a parent's plan.
Networks vary dramatically by carrier and by borough. EmblemHealth GHI HMO and MetroPlus have deep penetration in NYC public hospitals and clinics. Oscar and Anthem are strong with private NYC providers. Healthfirst dominates Brooklyn and Queens with broad community-doctor networks. Upstate, MVP, Excellus, and Independent Health each have regional strengths. Before any enrollment, our advisors run your specific doctors, hospitals, and pharmacies against each carrier's directory so you don't lose coverage of providers you trust.
Child Health Plus (CHPlus) is New York's coverage program for children under age 19 in families that earn too much for Medicaid but cannot afford private coverage. There is no income ceiling — any New York child not otherwise covered can enroll, with monthly contributions sliding from $0 to about $60 based on income. CHPlus covers checkups, immunizations, prescriptions, dental, vision, mental health, and hospitalization. Crucially, it covers children of any immigration status, including undocumented children.
No. Plan Finder Hubs is compensated by the carriers when New Yorkers enroll — the same way every licensed insurance broker in the state is paid. You pay the exact same premium working with us as you would enrolling directly through NY State of Health or with the carrier. The difference is you get a certified navigator who knows the New York marketplace inside and out, in your language, for free.
Self-employed New Yorkers — freelancers, contractors, gig workers, artists, consultants — typically buy through NY State of Health. Depending on income, you may qualify for the Essential Plan ($0–$15/month), Advance Premium Tax Credits that significantly reduce a Silver or Gold plan, or both. Many freelancers in income range $35K–$60K pay $80–$200/month for comprehensive Silver coverage after subsidy. Our advisors are particularly experienced with NYC's freelance creative community.
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