Health Insurance New York:
EmblemHealth & GHI

EmblemHealth/GHI offers 3 plans to Sole Proprietors in NY State. For detailed rates, summaries, and plan comparisons, please follow the links to the right.

Plans

EmblemHealth has 2 High Deductible, HSA-eligible plans. These are the less expensive options, but high deductibles apply both in and out of network. However, once your in-network deductible is met, your in-network costs are covered at 100%. Out of network, after the deductible, you are covered at 80% of usual and customary charges. The EPO is an in-network only plan.

• HDHP PPO Summary
• HDHP EPO Summary

GHI's Small Business Advantage Plan (SBAP) is a more traditional health insurance plan, but with very limited out of network coverage.

• Small Business Advantage Plan

Eligibility for EmblemHealth/GHI Sole Proprietor Plans:

Under age 65, self-employed for at least 60 days, minimum of 20 hours per week. Two of the following tax documents must be submitted as proof of self-employment. **Note that these plans require annual requalification with tax documentation.**

• Schedule C (pages 1 and 2)
• Schedule SE
• Schedule K-1
• Schedule 1120-S
• Schedule E
• Schedule F
• Quarterly Wage and Withholding Form NYS-45
• Letter of Certification