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Family Health Insurance and Individual Insurance Plans | EmblemHealth

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Individual and Family Health Insurance Plans

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2023 Annual Enrollment: November 16 - January 31

CHOOSE THE RIGHT health PLAN IN NEW YORK

We’ve designed our plans to provide everyone with personalized health insurance plans at a reasonable price. From low premiums to low deductibles, our plans will support you and your family’s needs. Explore available plans in New York, by entering your zip code, getting a quote or downloading our free guide now.

 

 

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Plan availability varies by location. Please enter your ZIP code to see plans available in your area.

2023 EmblemHealth Standard

EmblemHealth Platinum

This is a good plan if you receive frequent care because there is a $0 deductible. This plan also includes free preventive care and telemedicine. Platinum is on our broad Prime network.

Deductible: $0 individual / $0 family

EmblemHealth Gold

This plan is a good choice if you visit the doctor often but want to pay less than you’d pay for our Platinum plan. It has a low deductible and includes drugs before deductible, free preventive care and free telemedicine. Gold is on our broad Prime network.

Deductible: $600 individual / $1,200 family

EmblemHealth Silver

This is a good plan if you go to the doctor for regular visits. It includes 1 PCP visit before deductible, drugs before deductible, free preventive care and free telemedicine. Silver is on our broad Prime network.

Deductible: $1,750 individual / $3,500 family

EmblemHealth Bronze

This is a good plan if you don’t seek frequent medical care and would like to save some money on your health insurance. It  includes 3  PCP visits before deductible, free preventive care and free telemedicine. Bronze is on our broad Prime network.

Deductible: $4,700 individual / $9,400 family

EmblemHealth Basic (Catastrophic)

Basic plan is for individuals under age 30 and others who qualify based on financial need. Basic plan is on our broad Prime network and  includes 3 free PCP visits. 

Deductible: $9,100 individual / $18,200 family

2023 Essential Plan

EmblemHealth Essential Plan (with Adult Dental and Vision)

Available year-round through the New York State of Health Marketplace.

A plan for New Yorkers with a $0 monthly premium,no deductible, and no referrals required to see a specialist. These plans also allow members to see a primary care physician, mental health professional, or dermatologist virtually with our Teladoc P360 benefit at no extra cost. Eligibility is based on income and other factors.

Deductible: $0 individual / $0 family

2022 EmblemHealth Non-Standard

EmblemHealth Silver Value (with Family Dental and Vision)

This plan offers multiple services before deductible, 3 free PCP visits, family dental/vision, low-cost generic drugs and pay nothing once you meet your deductible. 

Deductible: $6,300 individual / $12,600 family

EmblemHealth Silver Bold (with Family Dental and Vision)

This plan is a good choice if you go to the doctor for regular visits. It offers multiple services before deductible, 3 free PCP visits, family dental/vision, low-cost generic drugs and pay nothing once you meet your deductible. This is our most affordable plan and is on our tailored Millennium network. 

Deductible: $6,500 individual / $13,000 family

EmblemHealth Gold Premier (with Family Dental and Vision)

This plan is a good choice if you seek care often and need a low deductible, but would prefer a less expensive plan than our Standard Gold plan. It offers multiple services before deductible, 3 free PCP visits, family dental/vision, and $0 generic drugs. Gold Premier is on our Select Care network and is the only plan that does not require a referral to see a specialist.

Deductible: $800 individual / $1,600 family

EmblemHealth Gold Value (with Family Dental and Vision)

This plan is a good choice if you seek care often but would prefer a lower monthly cost than our Standard Gold plan. It offers multiple services before deductible, 3 free PCP visits, family dental/vision, low-cost generics drugs and pay nothing once you meet our deductible.

Deductible: $4,000 individual / $8,000 family

2022 EmblemHealth Standard

EmblemHealth Platinum

This is a good plan if you receive frequent care because there is a $0 deductible. This plan also includes free preventive care and telemedicine.

Deductible: $0 individual / $0 family

EmblemHealth Gold

This plan is a good choice if you visit the doctor often but want to pay less than you’d pay for our Platinum plan. It has a low deductible and includes drugs before deductible, free preventive care and free telemedicine.

Deductible: $600 individual / $1,200 family

EmblemHealth Silver

This is a good plan if you go to the doctor for regular visits. It includes drugs before deductible, free preventive care and free telemedicine.

Deductible: $1,300 individual / $2,600 family

EmblemHealth Bronze

This is a good plan if you don’t seek frequent medical care and would like to save some money on your health insurance. It also includes 3 free PCP visits, free preventive care and free telemedicine.

Deductible: $4,700 individual / $9,400 family

EmblemHealth Basic (Catastrophic)

Basic plan is for individuals under age 30 and others who qualify based on financial need. It includes three annual visits to a primary care doctor before you meet the deductible.

Deductible: $8,700 individual / $17,400 family

2022 Essential Plan

Essential Plan (with Adult Dental and Vision)

Available year-round through the New York State of Health Marketplace.

A plan for New Yorkers with a $0 monthly premium and no deductible. Eligibility based on income and other factors.

Deductible: $0 individual / $0 family

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The EmblemHealth difference

With a large network of doctors, health care professionals, and community resources, EmblemHealth always puts New Yorkers first.

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Any information provided on this Website is for informational purposes only. It is not medical advice and should not be substituted for regular consultation with your health care provider. If you have any concerns about your health, please contact your health care provider's office.

Also, this information is not intended to imply that services or treatments described in the information are covered benefits under your plan. Please refer to your Membership Agreement, Certificate of Coverage, Benefit Summary, or other plan documents for specific information about your benefits coverage.