Healthy New York Gold - Small Group

A Program Overseen by the New York State Department of Insurance

Mom and young baby.

Healthy New York (HNY) Gold a health plan offered to qualified small employer groups.

What makes this plan unique?

Healthy NY is a state program designed to make low premium, comprehensive health insurance available to small employers that currently do not provide health insurance to their employees. Healthy NY is a deductible plan that covers essential health needs including inpatient and outpatient hospital services, physician services, maternity care, preventive health services, diagnostic services and emergency services.

How do my employees benefit?

  • They’ll benefit from your contribution toward their premium.
  • Healthy NY Gold provides comprehensive medical coverage after the plan deductible.
  • Healthy NY Gold offers subscribers the opportunity to be reimbursed up to $400 towards a gym membership benefit and up to $200 for their covered spouse each year!
  • Their preventive services are covered in full.

You are eligible for Healthy New York Gold if:

  • The business is located in New York State.
  • The business has 50 or fewer eligible employees.
  • At least 30 percent of your employees make $41,250 or less in annual wages.
  • The business has not provided comprehensive insurance within the last 12 months.
  • The business has contributed at least 50 percent of the employees’ Healthy NY Gold premiums.
  • At least 50 percent of your employees offered Healthy NY Gold has accepted coverage or has coverage through another source (e.g. a spouse, a public health program).
  • The business offers Healthy NY Gold to all employees who work 20 or more hours per week and earn $41,250 or less in annual wages.

All our plans include:

  • $0 preventive care services
  • Urgent care coverage
  • Health and wellness resources
  • Worldwide emergency care
  • 24-Hour Medical Help Line

*Updated annually

If you have questions please call 716-631-5392.


For more information, or to see if you are eligible, call:
716) 631-5392 or
TTY: 716-635-4840

Or visit the state of New York’s website.

Need Help Deciding?

HNY Gold Application

(Small Businesses)