HEALTHINSURANCE.GURU

Health Insurance in New York, Explained by a Licensed Broker

Clear options for individuals, families and the self-employed.

Rothswell explains how health, accident and income-protection coverage fits together in New York, and helps you compare what is available to you. Which products we can offer depends on our insurer appointments, and we tell you plainly what is and is not available.

New York licensed agent and broker
People cycling along a park road

Start with the question you have.

Health coverage in New York comes from several places: an employer, the NY State of Health marketplace, Medicare, Medicaid and the Essential Plan, or private arrangements. Each has its own rules, and the best fit depends on your age, income, employment and health needs.

Start with the guide closest to your question, or send us a note. We will tell you honestly if the right answer is a program we do not sell.

A couple walking hand in handHealth Insurance Options in New YorkKnow the routes before you compare plans.A family standing by a lake, seen from behindAccident and Supplemental Health InsuranceCash benefits that sit on top of your main coverage.A desk with a calculator, notes and a laptopDisability Income InsuranceProtect the paycheck that pays for everything else.
How we work
  1. We listen first
    Who needs coverage, which doctors and medicines matter, your budget, and when your current coverage ends.
  2. We explain your routes
    Employer, marketplace, Medicare, public programs or supplemental coverage, and the deadlines for each.
  3. We compare what we can offer
    Where we are appointed, we compare products and explain cost, limits and exclusions.
  4. We recommend what fits
    You get our recommendation and the reasons for it. Sometimes that means a program we do not sell.
Licensed, and working in your best interest

We work in your best interest. We start with your needs, explain every route open to you, including programs we do not sell, recommend what fits and explain how we are paid.

Agency
The Rothswell Agency LLC, New York licensed agent (LA-1997378): life, accident and health.
Individual agent
Ardi Shita, New York licensed insurance agent (LA-1951560): life, accident and health, NPN 22062424.
Individual broker
Ardi Shita, New York licensed life insurance broker (LB-1951560): life, accident and health. As a broker we represent you, and we tell you which role we are acting in.
Insurers and partners
  • Aflac

Insurer names are shown to identify companies we work with. Availability depends on appointments, the product and underwriting.

From the blog
Two people walking through a fieldMedicare Annual Enrollment: A Fall ChecklistWhat to review during Medicare's annual enrollment period, October 15 to December 7: costs, drugs, doctors and plan changes.A bakery display case with pastriesHealth Insurance for the Self-Employed in New YorkFreelancers and business owners in New York: marketplace plans, a spouse's plan and supplemental and disability coverage compared.A notebook, pen and laptop on a white deskDeductible, Copay, Coinsurance and Out-of-Pocket MaximumFour health plan terms explained in plain language, with a simple way to estimate what a plan could cost you in a year.

All articles

Common questions
Do you sell major medical health insurance?

Which health products we can offer depends on insurer appointments, and not all coverage is sold through brokers. Ask us what is available for your situation. If the best route is elsewhere, we say so.

What is accident and health insurance?

It is the New York license line for insurance against injury, illness and related loss. It covers many products, from supplemental accident plans to disability income.

Is supplemental coverage a substitute for health insurance?

No. Accident, hospital indemnity and critical illness plans typically pay cash benefits and are not a replacement for comprehensive health coverage.

When can I change my coverage?

Most people can change coverage during an annual enrollment period or after a qualifying life event. Medicare's annual enrollment runs from October 15 to December 7. We explain the rules that apply to you.

How are you paid?

Insurers generally pay commissions on policies they issue. We explain our role and compensation at or before the application, and you can ask for details at any time.

Which languages do you speak?

We speak and serve clients in English, German, Albanian, Croatian, Serbian, Bosnian and Macedonian. Call 646 821 3520 or write to info@rothswell.us and tell us which language you prefer. Ne shqip: telefononi ose shkruani, dhe ju pergjigjemi shqip.

Talk to us

Call 646 821 3520 or send a note. We will reply from our Madison Avenue office.