New York state law requires all insurers, including EmblemHealth, to provide their members and customers with written notices detailing proposed rate increases for the coming year.
Beginning in July 2026, we are releasing notices to community-rated large group plan members and customers about our rate proposals for community-rated plans renewing in 2027.
Beginning in June 2026, we are releasing notices to our individual and small group plan members and customers about our rate proposals for plans renewing in 2027. The New York State Department of Financial Services (DFS) may approve, modify, or deny these proposed adjustments. We will notify all impacted subscribers and groups of their final, approved rate at least 60 days before their renewal date.
Why do we need to increase premiums?
We need to increase premiums due to the rise in the cost of medical care, including the costs of hospital stays, prescription drugs, and other health services. Most of your premium goes toward paying for medical and pharmacy claims for members. In fact, New York requires that at least 82% of the premium you pay directly covers member medical costs. As the cost and use of pharmacy drugs and medical services go up, so does the cost of medical care we must pay for.
Contact us or DFS for additional information. Employer groups or brokers should contact their account manager or call Broker Services at 866-614-6040 from 9 a.m. to 6 p.m., Monday through Friday. You may also submit your comments to DFS within 30 days of the date printed on the letter you receive from us. Please see your letter for details on how to submit your comments or questions. To find out more about our rate filings, please click on the narratives below:
- 2027 HIP Individual Narrative (Select Care) – For members in 19 northern New York counties including: Delaware, Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, Albany, Columbia, Fulton, Greene, Montgomery, Rensselaer, Saratoga, Schenectady, Schoharie, Warren, Washington, Broome, and Otsego.
EmblemHealth Select Care Platinum, EmblemHealth Select Care Gold, EmblemHealth Select Care Silver, EmblemHealth Select Care Bronze, EmblemHealth Select Care Catastrophic*, EmblemHealth Select Care Platinum D, EmblemHealth Select Care Gold D, EmblemHealth Select Care Silver D, EmblemHealth Select Care Bronze D, EmblemHealth Select Care Catastrophic D*
*Plan is only available in the following counties: Montgomery, Schoharie, and Otsego. - 2027 HIP Individual Narrative (Millennium) – For members in Nassau County, Suffolk County, Westchester County, and the five boroughs of New York City.
EmblemHealth Millennium Platinum, EmblemHealth Millennium Gold, EmblemHealth Millennium Silver, EmblemHealth Millennium Bronze, EmblemHealth Millennium Platinum D, EmblemHealth Millennium Gold D, EmblemHealth Millennium Silver D, EmblemHealth Millennium Bronze D - 2027 HIP Small Group Rate Narrative
EmblemHealth Platinum Premier, EmblemHealth Gold Premier, Healthy New York, EmblemHealth Silver Plus H.S.A., EmblemHealth Silver Premier, EmblemHealth Bronze Plus H.S.A., EmblemHealth Bronze Premier - 2027 HIP Large Group Rate Narrative – Non-Preferred (coming soon)
- 2027 HIP Large Group Rate Narrative – Preferred (coming soon)