Insurance Basics: Home
Your employer may offer more than one health plan, or you may be shopping for your own individual plan.
Your plan contracts with a wide range of doctors and other practitioners, as well as hospitals, labs, radiology facilities, pharmacies and other providers. These are the providers in your “network”. Each of these providers has agreed to take your plan´s contracted rate as payment in full for services.
Whatever age you are when you retire, you have health insurance options.
Since providers are able to decide how much to charge for out-of-network care, sometimes that charge might be higher than you expected.
An Accountable Care Organization (ACO) is a group of doctors or hospitals who have agreed to work together to coordinate and improve their patients´ care
NY State of Health is New York´s official online healthcare Marketplace. Individuals, families and small business owners in New York can use NY State of Health to compare health plans, and join the one that best meets their needs.