The health insurance industry in New York plays a critical role in securing medical coverage for millions. Companies in this space offer various products, including individual and family plans, Medicare, Medicaid, and employer-sponsored health benefits. The move towards value-based care, digital health solutions, and personalized insurance policies is reshaping the market. Innovations like telehealth and wellness programs are gaining traction, driven by consumer demand for convenient and cost-effective healthcare options. As regulatory pressures increase, these companies must adapt quickly to changing policies while ensuring they meet the evolving needs of their members.


This listing features 22 health insurance companies headquartered across New York. These firms vary in size from small agency operations to organizations employing thousands. Established since the mid-20th century, these firms cover different sectors such as individual health coverage, employer plans, and specialized programs like Medicare Advantage. They leverage both traditional and cutting-edge solutions to enhance healthcare access while addressing the market's increasing emphasis on affordability and member satisfaction.


Read on to discover more about New York's top health insurance companies.


Top 22 Health Insurance Companies in New York


1. Cdphp

  • Website: cdphp.com
  • Ownership type: Private
  • Headquarters: Latham, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1984
  • Headcount: 1001-5000
  • LinkedIn: cdphp

CDPHP, or Capital District Physicians' Health Plan, Inc., is a private health insurance provider based in Latham, New York. Founded in 1984, the company has grown to employ over 1,100 individuals and serves a significant number of members across various health plans. CDPHP offers a range of services, including individual and family health plans, Medicare Advantage plans, and Medicaid services. The company emphasizes accessible healthcare coverage and wellness programs, aiming to meet the needs of its members through various health-related services. CDPHP has received accolades for its member satisfaction and has been recognized for the quality of its Medicare Advantage plans, which are rated among the highest in New York and the U.S. The company is dedicated to improving health outcomes and providing support through programs that promote wellness and preventive care.


2. HealthNow New York Inc.

  • Website: healthnowny.com
  • Ownership type: Corporate
  • Headquarters: Buffalo, New York, United States (USA)
  • Employee distribution: United States (USA) 99%, Other 1%
  • Latest funding: March 2021
  • Founded year: 1936
  • Headcount: 1001-5000
  • LinkedIn: healthnow-new-york-inc.

HealthNow New York Inc., based in Buffalo, New York, has been a prominent health insurance provider since its founding in 1936. The company operates under the Highmark brand and offers a variety of health plans tailored to meet the needs of individuals, families, and businesses. Their offerings include Medicare and Medicaid plans, as well as individual and family insurance options. HealthNow New York Inc. is dedicated to helping its members navigate the complexities of healthcare, providing resources and support to manage costs effectively. The company emphasizes corporate responsibility, focusing on community health initiatives and promoting wellness among its members. With a workforce of over 650 employees, HealthNow New York Inc. continues to play a vital role in the health insurance market, ensuring that consumers have access to necessary medical services and support.


3. Independent Health

  • Website: independenthealth.com
  • Ownership type: Private
  • Headquarters: Buffalo, New York, United States (USA)
  • Employee distribution: United States (USA) 94%, Other 6%
  • Founded year: 1980
  • Headcount: 1001-5000
  • LinkedIn: independent-health

Independent Health, based in Buffalo, New York, is a private health insurance provider founded in 1980. The company serves a wide range of clients, including individuals, families, and employers, by offering various health insurance plans, including Medicare and pharmacy benefit management services. Independent Health is dedicated to helping its members navigate the complexities of healthcare costs and access essential medical services. The company has developed programs and resources aimed at improving health outcomes and managing healthcare expenses effectively. Their commitment to quality care is underscored by their URAC accreditation, which recognizes their focus on better patient outcomes and improved processes. With a workforce of approximately 1,777 employees, Independent Health continues to play a significant role in the health insurance industry, particularly in the New York region.


4. Highmark Blue Shield of Northeastern New York

  • Website: bsneny.com
  • Ownership type: Private
  • Headquarters: Latham, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1946
  • Headcount: 201-500
  • LinkedIn: blueshield-of-neny

Highmark Blue Shield of Northeastern New York is a private health insurance provider based in Latham, New York. Established in 1946, the company has been serving the community for decades, offering a variety of health insurance plans tailored to meet the needs of individuals, families, and businesses. Their offerings include individual and family plans, Medicare, Medicaid, and specialized programs like the Children's Health Insurance Program (CHIP). Highmark emphasizes affordability and comprehensive coverage, aiming to assist consumers in understanding and managing their health insurance options effectively. The company also provides resources for employers, helping them navigate employee health benefits. With a workforce of around 201-500 employees, Highmark is dedicated to delivering quality service and support to its members, ensuring they have access to necessary healthcare services.


5. Meritain Health

  • Website: meritain.com
  • Ownership type: Private
  • Headquarters: Buffalo, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1983
  • Headcount: 1001-5000
  • LinkedIn: meritain-health

Meritain Health, based in Buffalo, New York, is a private health insurance provider that specializes in offering a range of services, including medical, dental, and pharmacy plans. Founded in 1983, the company primarily serves businesses seeking to provide comprehensive health benefits to their employees. Meritain Health focuses on self-funding solutions, allowing employers to manage costs while enhancing health outcomes through customized insurance plans. The company emphasizes operational excellence and member engagement, aiming to create tailored benefits strategies that address specific needs. Their innovative approach includes partnerships with health care innovators, which helps them stay ahead of emerging trends and challenges in the industry. Meritain Health's commitment to transparency and data-driven insights further supports their goal of optimizing health benefits for their clients and members.


6. CareConnect Insurance Company, Inc.


CareConnect Insurance Company, Inc., based in East Hills, New York, is a private health insurance provider that has been operational since 2013. The company offers a range of health insurance plans tailored for individuals, families, and employers. CareConnect is dedicated to delivering essential medical services, which include both outpatient and inpatient care, mental health services, and prescription drug coverage. Their mission is to simplify healthcare access for their customers, providing various resources and support to enhance the user experience. CareConnect's network includes notable health systems in New York, ensuring that members have access to quality care. The company has not reported any funding, indicating a self-sustained operational model since its inception.


7. Amalgamated Life Insurance Company


Amalgamated Life Insurance Company, based in White Plains, New York, has been a significant player in the insurance and healthcare service sector since its founding in 1943. The company specializes in providing a variety of life, health, and pension products, along with care management services. Their clientele includes individuals, families, labor unions, and businesses, all seeking comprehensive insurance solutions. Amalgamated Life is dedicated to delivering quality-driven services aimed at ensuring financial security and optimal health outcomes. They offer a portfolio that includes group disability, medical stop-loss, and various voluntary benefits such as critical illness and dental insurance. The company also operates as a third-party administrator and provides care management solutions, showcasing their multifaceted approach to health insurance. With a workforce of around 380 employees, Amalgamated Life maintains a strong commitment to customer service and operational efficiency, which is reflected in their competitive pricing and high customer satisfaction ratings.


8. Conference Associates, Inc.

  • Website: conferenceny.com
  • Ownership type: Private
  • Headquarters: Patchogue, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1961
  • Headcount: 11-50
  • LinkedIn: conference-associates-inc.

Conference Associates, Inc. (CAI), based in Patchogue, New York, has been a fixture in the insurance industry since its founding in 1961. The company specializes in a variety of insurance products, prominently featuring healthcare insurance, alongside dental, vision, life, and disability insurance. CAI serves a wide array of clients, including individuals, businesses, and insurance brokers, ensuring that they meet the unique needs of each segment. Their approach emphasizes building long-term relationships with clients and partners, which is reflected in their commitment to providing comprehensive support services, including billing and customer care. CAI collaborates with top health carriers to offer competitive coverage options, demonstrating their active role in the health insurance market. They also provide educational resources to help clients navigate their insurance choices effectively.


9. Nippon Life Benefits

  • Website: nipponlifebenefits.com
  • Ownership type: Private
  • Headquarters: New York, New York, United States (USA)
  • Employee distribution: United States (USA) 93%, India 2%, Algeria 2%, Other 2%
  • Founded year: 1991
  • Headcount: 51-200
  • LinkedIn: nippon-life-benefits

Nippon Life Benefits, founded in 1991 and based in New York City, is a private insurance provider that specializes in employee benefits. The company offers a range of insurance products, including medical, dental, life, and disability coverage, primarily aimed at businesses and organizations. With a workforce of approximately 135 employees, Nippon Life Benefits has established itself as a significant player in the employee benefits market. Their services are designed to help employers manage healthcare costs while providing comprehensive benefits to their employees. The company is a subsidiary of Nippon Life Insurance Company of Japan, which adds to its credibility and financial backing. Nippon Life Benefits is licensed to operate in all states except Maine, New Hampshire, and Wyoming, and it has a strong presence in the U.S. market, with 93% of its employees based in the country. Their commitment to service excellence and customer satisfaction is reflected in their high ratings from clients, indicating a focus on quality and responsiveness in their offerings.


10. Nova Healthcare Administrators, Inc.


Nova Healthcare Administrators, Inc., based in Buffalo, New York, has been a player in the health insurance industry since its founding in 1982. The company specializes in employee benefits and health insurance solutions, particularly focusing on self-funded medical, dental, and vision insurance. Nova's services are designed to help businesses create comprehensive benefits packages that attract and retain employees while effectively managing healthcare costs. They also offer health savings accounts and various reimbursement accounts, enhancing their service portfolio. With a dedicated team of professionals, Nova emphasizes client partnership and satisfaction, aiming to deliver tailored solutions that meet the unique needs of their clients. Their approach includes in-house medical management and performance analysis, which supports better health outcomes and cost containment for their clients. Nova's commitment to innovation and flexibility in health plan design makes them a noteworthy entity in the health insurance market.


11. Antidote Health

  • Website: antidotehealth.com
  • Ownership type: Venture Capital
  • Headquarters: New York, New York, United States (USA)
  • Employee distribution: Israel 57%, United States (USA) 43%
  • Latest funding: Series A, $13.0M, November 2023
  • Founded year: 2020
  • Headcount: 51-200
  • LinkedIn: medandbeyond

Antidote Health is a health insurance company based in New York, founded in 2020. The company aims to make healthcare more accessible and affordable for individuals by offering a range of health insurance plans and telehealth services. With a workforce of around 56 employees, Antidote Health operates primarily in the United States and Israel. They provide 24/7 access to doctors through telehealth consultations, allowing members to receive care from the comfort of their homes. Their plans feature low to zero copays for virtual visits and specialist referrals, catering to various budgets. In November 2023, Antidote Health secured $13 million in Series A funding, which underscores their potential for growth and innovation in the health insurance market. They are licensed to operate in states like Arizona and Ohio, further solidifying their presence in the industry.


12. Four Points Inc.

  • Website: fourptsny.com
  • Ownership type: Private
  • Headquarters: Rochester, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2018
  • Headcount: 51-200
  • LinkedIn: four-points-inc-ny

Four Points Inc. is an insurance agency based in Rochester, New York, founded in 2018. The company focuses on employee benefits, health insurance, life insurance, disability insurance, and wellness planning. With a mission to enhance employee benefits without imposing additional costs on employers, Four Points Inc. aims to support financial security for its clients. The agency has grown significantly since its inception, starting with seven agents and expanding to over 150 agents by early 2022. They serve nearly 550 employers and approximately 75,000 individuals across the United States. Four Points Inc. is licensed in all 50 states, allowing them to provide comprehensive coverage and services nationwide. Their innovative approach includes tax-incentivized wellness programs that help reduce costs for both employees and employers, showcasing their commitment to improving health outcomes and financial well-being.


13. Affinity Health Plan


Affinity Health Plan, a subsidiary of Molina Healthcare, Inc., was founded in 1986 and is based in The Bronx, New York. The company specializes in health insurance services, particularly targeting Medicaid and Medicare plans. Affinity Health Plan aims to provide affordable and quality healthcare coverage to individuals and families, especially those eligible for government health programs. Their offerings include Medicaid Managed Care, Molina Healthcare PLUS, Child Health Plus, and the Essential Plan, catering to the needs of low-income populations. The company emphasizes access to necessary medical services, ensuring that members receive the care they need. With a workforce of approximately 626 employees, Affinity Health Plan plays a crucial role in the local healthcare ecosystem, focusing on community engagement and support for its members.


14. POMCO Group

  • Website: pomco.com
  • Ownership type: Corporate
  • Headquarters: Syracuse, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: March 2017
  • Founded year: 1978
  • Headcount: 501-1000
  • LinkedIn: pomco-group

POMCO Group, founded in 1978 and based in Syracuse, New York, operates primarily under the UMR brand. The company specializes in health care management, offering a range of health care plans and benefits management services. POMCO serves individuals seeking health insurance, employers providing benefits to their employees, and health care providers needing support with claims processing. Their mission is to simplify health care access and improve the management of health benefits through innovative digital tools and resources. POMCO's services include personalized health care plans, claims management, and provider network access, which are essential components of the health insurance industry. As a corporate entity with a workforce of around 500 to 1000 employees, POMCO remains active and relevant in the health insurance market, despite not having reported any recent funding.


15. Vista Health Solutions

  • Website: nyhealthinsurer.com
  • Ownership type: Private
  • Headquarters: Suffern, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2006
  • Headcount: 11-50
  • LinkedIn: vista-health-solutions

Vista Health Solutions, based in Suffern, New York, is a private health insurance provider established in 2006. The company specializes in offering a variety of health and dental insurance plans specifically designed for individuals, families, and small businesses within New York State. With a dedicated team of approximately 25 employees, Vista Health Solutions has built a reputation for assisting customers in navigating the complexities of the health insurance marketplace. They provide instant quotes and professional support, helping clients find affordable coverage options. Their services include a user-friendly online quote engine that allows potential customers to explore available plans without the need for personal information, ensuring privacy and ease of access. Over the years, Vista Health Solutions has helped thousands of New Yorkers secure health insurance, emphasizing their commitment to affordability and customer service. They are actively involved in the New York State Health Benefit Exchange, which was created under the Affordable Care Act, further solidifying their role in the health insurance industry.


16. Centivo

  • Website: centivo.com
  • Ownership type: Venture Capital
  • Headquarters: Buffalo, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: Other (Debt), September 2024
  • Founded year: 2017
  • Headcount: 201-500
  • LinkedIn: centivo

Centivo, founded in 2017 and based in Buffalo, New York, is a healthcare provider that specializes in self-funded health plans tailored for employers. The company aims to deliver affordable, high-quality healthcare solutions, emphasizing primary care and virtual care services. Centivo's model is designed for self-funded employers who want to manage healthcare costs effectively while ensuring their employees have access to necessary medical services. They operate on a value-based model that prioritizes patient outcomes and care coordination. Centivo's innovative plan design includes features like free primary care visits and predictable copays, which encourage employees to engage with their healthcare without the burden of high out-of-pocket costs. The company has gained recognition for its approach to healthcare affordability and has positioned itself as a partner for employers looking to improve their health benefits offerings. Centivo administers these plans rather than acting as a traditional insurance company, which sets it apart in the market.


17. Med&Beyond

  • Website: medandbeyond.com
  • Ownership type: Private
  • Headquarters: New York, New York, United States (USA)
  • Founded year: 2020
  • Headcount: 11-50
  • LinkedIn: medandbeyond

Med&Beyond, also known as Antidote Health, is a private health insurance provider based in New York, New York. Founded in 2020, the company aims to make healthcare more accessible and affordable for individuals and families. Antidote Health offers a range of health insurance plans that include telehealth services, allowing members to consult healthcare professionals at any time. Their services are designed to meet the needs of consumers looking for quality healthcare solutions without the burden of high costs. The company operates in states like Arizona and Ohio, where it is licensed to provide insurance. Antidote Health's focus on virtual care and low copay options reflects a shift towards more consumer-friendly healthcare models, aligning with current trends in the industry.


18. Ansel Health

  • Website: joinansel.com
  • Ownership type: Venture Capital
  • Headquarters: New York, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: $20.0M, January 2024
  • Founded year: 2019
  • Headcount: 11-50
  • LinkedIn: brella-insurance

Ansel Health, founded in 2019 and based in New York, specializes in supplemental health insurance. The company aims to provide customizable benefits that cater to the needs of both employers and individuals, helping to mitigate the financial impact of unforeseen medical expenses. Ansel Health operates entirely through a paperless system, which streamlines the claims process and enhances user experience. They cover over 13,000 injuries and illnesses, offering plans that are guaranteed issue with no medical underwriting required. Ansel Health has recently secured $20 million in funding, indicating investor confidence in their business model and growth potential. Their commitment to fast claims processing—typically within 72 hours—sets them apart in the industry, as does their focus on providing dedicated support to members. Ansel Health is underwritten by Fidelity Security Life Insurance Company and is licensed to operate in various states, further solidifying its position in the health insurance market.


19. Ballard & Associates, LLC

  • Website: ballardassoc.com
  • Ownership type: Private
  • Headquarters: Cicero, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2006
  • Headcount: 51-200
  • LinkedIn: ballard-%26-associates-llc

Ballard & Associates, LLC, founded in 2006 and based in Cicero, New York, is an insurance agency that provides a range of insurance products, with a strong emphasis on health insurance. The agency assists individuals and families in finding suitable coverage tailored to their needs and budget. Their offerings include Medicare Advantage plans, Medicare supplements, and various health insurance options. Ballard & Associates prides itself on building relationships with clients, ensuring they receive informed guidance throughout the insurance selection process. The agency operates with a commitment to customer service, aiming to simplify the often complex world of insurance for their clients. They have a team of licensed professionals who are knowledgeable about the insurance market and work with multiple carriers to provide competitive quotes. This approach allows them to cater to the specific needs of their clients effectively.


20. Agri-Services Agency

  • Website: agri-servicesagency.com
  • Ownership type: Corporate
  • Headquarters: East Syracuse, New York, United States (USA)
  • Employee distribution: United States (USA) 95%, India 5%
  • Latest funding: April 2011
  • Founded year: 1969
  • Headcount: 11-50
  • LinkedIn: agri-services-agency

Agri-Services Agency, founded in 1969, is an insurance agency based in East Syracuse, New York. The company specializes in providing insurance solutions tailored for farmers and agribusinesses. With a dedicated focus on the agricultural community, Agri-Services Agency offers a range of products, including health insurance, farm insurance, and workers' compensation. Their health insurance offerings include group health plans, dental, vision, life insurance, and ancillary products, all designed to meet the unique needs of their clients. The agency prides itself on affordability and quality, ensuring that agribusiness owners can attract and retain employees through competitive insurance programs. Agri-Services Agency operates with a commitment to customer service, providing support seven days a week. Their team has extensive experience in the agricultural sector, allowing them to understand the specific challenges faced by their clients. They partner with multiple carriers to offer a variety of insurance solutions, enhancing their ability to serve the agricultural community effectively.


21. Hometown Insurance Agency of LI Inc


Hometown Insurance Agency of LI Inc, based in Bohemia, New York, has been a family-owned operation since its founding in 1979. The agency provides a variety of insurance products, including personal, commercial, life, and health insurance. With a team of 24 employees, Hometown Insurance Agency caters to both individual consumers and businesses, helping them manage risks and protect their assets through tailored insurance solutions. Their health insurance offerings include group health insurance, which is designed to assist organizations in developing employee benefits packages that comply with applicable laws and attract top talent. The agency emphasizes customer service and aims to simplify the insurance process for its clients. Hometown Insurance Agency has not reported any funding, indicating that it operates independently without external financial backing.


22. The Difference Card

  • Website: differencecard.com
  • Ownership type: Private Equity
  • Headquarters: Armonk, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: June 2021
  • Founded year: 2001
  • Headcount: 51-200
  • LinkedIn: the-difference-card

The Difference Card, founded in 2001 and based in Armonk, New York, is a health insurance provider that focuses on delivering customized benefit solutions to employers. The company aims to help businesses reduce healthcare costs while maintaining high-quality employee benefits. Their offerings include Medical Expense Reimbursement Plans (MERP) and wellness programs, which are designed to provide flexibility and cost savings. The Difference Card serves a variety of industries, assisting employers in managing health benefits efficiently. With a strong emphasis on client support, they have achieved over $1 billion in total savings for their clients since inception. Their innovative approach and commitment to service have resulted in a 90% client retention rate, showcasing their effectiveness in the competitive health insurance market.



Health Insurance Insights: Key Companies in New York


CompanyHeadquarterSizeFoundedOwnership
CdphpLatham, New York, United States (USA)1001-50001984Private
HealthNow New York Inc.Buffalo, New York, United States (USA)1001-50001936Corporate
Independent HealthBuffalo, New York, United States (USA)1001-50001980Private
Highmark Blue Shield of Northeastern New YorkLatham, New York, United States (USA)201-5001946Private
Meritain HealthBuffalo, New York, United States (USA)1001-50001983Private
CareConnect Insurance Company, Inc.East Hills, New York, United States (USA)201-5002013Private
Amalgamated Life Insurance CompanyWhite Plains, New York, United States (USA)501-10001943Private
Conference Associates, Inc.Patchogue, New York, United States (USA)11-501961Private
Nippon Life BenefitsNew York, New York, United States (USA)51-2001991Private
Nova Healthcare Administrators, Inc.Buffalo, New York, United States (USA)51-2001982Private
Antidote HealthNew York, New York, United States (USA)51-2002020Venture Capital
Four Points Inc.Rochester, New York, United States (USA)51-2002018Private
Affinity Health PlanThe Bronx, New York, United States (USA)501-10001986Private
POMCO GroupSyracuse, New York, United States (USA)501-10001978Corporate
Vista Health SolutionsSuffern, New York, United States (USA)11-502006Private
CentivoBuffalo, New York, United States (USA)201-5002017Venture Capital
Med&BeyondNew York, New York, United States (USA)11-502020Private
Ansel HealthNew York, New York, United States (USA)11-502019Venture Capital
Ballard & Associates, LLCCicero, New York, United States (USA)51-2002006Private
Agri-Services AgencyEast Syracuse, New York, United States (USA)11-501969Corporate
Hometown Insurance Agency of LI IncBohemia, New York, United States (USA)11-501979Family Owned
The Difference CardArmonk, New York, United States (USA)51-2002001Private Equity


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