There are a range of options for working individuals and sole proprietors to consider as well. You can purchase individual health insurance coverage from companies in New York State. Many different health plans are available, including standardized comprehensive managed care plans.

You also might want to consider joining a group or an association. You can go to the library and look through the Encyclopedia of Associations. There are associations for just about every group from dancers to graphic designers to women communicators. Associations may get group rates for different health plans. Whatever the association, you will have to join it (possibly paying a fee) before reaping the benefits.

Your exploration of available options should include a review of New York's special options for working individuals and sole proprietors and compare them to plans offered by other companies. Associations and special options have various eligibility requirements.  It is important note, however, that in New York State, your ability to buy individual health coverage does not depend on your health status age, or any other factor that might predict your use of health services.  This is called "guaranteed issue".