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New York Small Businesses and Freelancers

Living without health insurance is a cause for constant stress and worry, especially for freelancers. For more than seven years has partnered with Total Capital Planning (TCP) to offer health insurance to our AvantGuild members. In the past, a ‘freelancer’ needed to be part of a larger organization (like IRBA) in order to qualify for a rate lower than those offered to individuals. Now, AvantGuild members (and all other eligible freelancers in NY) can select one of 4 plans being offered by Oxford Health Plans in addition to the 11 plans offered through IRBA with Atlantis, HIP and GHI.

Eligibility for Health insurance in NY is based on your tax filing status:

    If you are a freelancer or sole proprietor who reports the majority of your income on a Schedule C (you receive 1099’s & file a Schedule C) – click here.

    If you are part of a small business with 2 or more salaried employees or partners – click here.

For health insurance outside New York, please click here.

Need more help? Not sure if you qualify? Want an application mailed or faxed to you? Contact Jason Silverman or Bryan Kelly at or (212) 879-0122.