I work for a small company and for various reasons outside of my control as of December 1st, my family and I will have to find our own insurance as the group employer plan I’ve been under will not renew.
My husband and I live in NYC and we have a daughter. My husband and I should have a budget of ~$2000 a month for insurance expenses. I heard about Child Health Plus which seems to be an extension of plans in the Marketplace and we’ll be researching the plans available to her as we heard they have the best network coverage for kids.
For my husband and I - where should we start looking, I’ve heard about “PPOs” and two Marketplace plans in our neighborhood - HeatlhFirst Bronze / Silver and Ambetter with Fidelis. Our current doctors do not take marketplace plans. Should we look at "PPO"s?
Also any recommendations about family dental coverage?
Any guidance would be helpful as this news was sprung upon us and researching insurance and networks seems to be a daunting task that we need to go through in a matter of like two weeks to have coverage set up for December 1st
New York has the Essential Plan, which is for working people who earn too much for Medicaid.
CHIP is also available, but it also depends on your income.
If those options don’t work, you can use the official New York State marketplace. The premium will depend on your income and the plan you choose. Bronze plans are the least expensive, while Platinum plans are the most expensive.
Visit the official New York State marketplace to review plans and their costs. This way, you can ask more specific questions about your options.
Remember, Open Enrollment for coverage starting January 1, 2025, begins in mid-November.
Oh sorry, I was just using the ones strictly in the $2000/month. But the other tiers above and below were also provided by HealthFirst and Ambetter/Fidelis.