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Health Insurance in New York

What's Available

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.

Atlantis Health Plan: Summary of Benefits | Application

Emblem Health: Summary of Benefits | Application

GHI: Summary of Benefits | Application

HIP: Summary of Benefits | Application

Oxford: Summary of Benefits | Application

View cross carrier comparison (pdf)

Who's Eligible?

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).

• The Oxford plans require that the majority of your income be untaxed income reported on a Schedule C, E, or F, but there is no minimum income requirement

• The Atlantis plans require $15,000 Gross Income on the Schedule C

• The HIP & GHI plans require approximately $10,000 Gross Income on the Schedule C – subject to Underwriters discretion.

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

How do I sign up?

Call: (212) 879-0122

Ask for Nathan Short or Craig Allen. They can set you up with the plan that's right for you!