Association Health Plans

175 HIP HMO 3K

Gated HMO in New York — $3,000/$6,000 deductible, $30 office copay, $60 specialist after deductible, 3-tier Rx ($25/$50/$100 after a $100 Rx deductible), $500 inpatient copay. $7,150/$14,300 out-of-pocket max. Outside New York you use the Cigna PPO network — no referral needed, even though the plan is an HMO.

175 HIP HMO Brand Rx

No-deductible HIP HMO with full brand-name drug coverage. $30 office copay, $60 specialist, no referrals needed. Three-tier Rx at $25 / $50 / $100 after a $300 prescription deductible. $1,500 inpatient and $500 outpatient surgery copays, $300 emergency room. $7,350 / $14,700 out-of-pocket maximum.

175 HIP HMO Generic Rx

No-deductible HIP HMO. $30 office copay, $60 specialist, no referrals needed. Generic drugs $25 for 30 days or $37.50 by mail for 90 — brand-name drugs are not covered on this plan. $1,500 inpatient and $500 outpatient surgery copays, $300 emergency room, $30 urgent care. $7,350 / $14,700 out-of-pocket maximum.

24K Dual Network

24K Dual Network — Deductible: $0 in-network (Tier 1); Max Out of Pocket: $6,000 / $18,200; Office Copays: $25 / $35; X-Ray & Bloodwork: $40 copay; Advanced Imaging: Copay applies.

450A BC Gold EPO High

Anthem Gold Blue Access EPO 25/50 — $25/$50 copays, 0% coinsurance, no referrals. In-network only.

450A BC Gold EPO Low

Anthem Gold Blue Access EPO 15/35 — $1,750 deductible, 10% coinsurance, $15/$35 copays, no referrals. In-network only.

450A BC Silver EPO

Anthem Silver Blue Access EPO 40/80 — $3,250 deductible, 50% coinsurance, $40/$80 copays, no referrals. In-network only.

450A BC Silver EPO HSA

Anthem Silver Blue Access EPO 20/50 HSA — $4,000 deductible, 30% coinsurance, HSA-compatible, no referrals. In-network only.

450A HIP HMO High

Gated in-network HMO — no medical deductible, $30 office / $75 specialist copays, 3-tier Rx ($25/$50/$100 after a $100 Rx deductible), $2,000 inpatient copay. $7,350/$14,700 out-of-pocket max.

450A HIP HMO Low

Gated in-network HMO — no medical deductible, $30 office / $75 specialist copays, $25 generic-only Rx card, $2,000 inpatient copay. $7,350/$14,700 out-of-pocket max.

450A HIP POS

Gated POS — $0 in-network deductible with $20/$40 copays, $500 inpatient copay, 3-tier Rx ($15/$35/$75); out-of-network covered at 50% after a $2,500/$5,000 deductible, reimbursed at the 80th percentile UCR. $6,600/$13,200 in-network out-of-pocket max.

450A HIP Select 4000

Gated in-network plan — $4,000/$8,000 deductible, $30 office copay, $60 specialist after deductible, $15 generic-only Rx card. $6,000/$12,000 out-of-pocket max.

450A Oxford Freedom Gold EPO

Oxford Freedom Gold EPO — $25/$40 copays, $1,750 deductible, 20% coinsurance, Freedom network, no referrals. In-network only.

450A Oxford Freedom Gold PPO

Oxford Freedom Gold PPO — $25/$40 copays, $1,500 deductible, 20% coinsurance, out-of-network coverage, no referrals.

450A Oxford Liberty Silver EPO

Oxford Liberty Silver EPO — $30/$60 copays, $4,500 deductible, 50% coinsurance, Liberty network, no referrals. In-network only.

AGA Cigna PPO 3000

AGA Cigna PPO 3000 — Deductible: $3,000 / $6,000; Max Out of Pocket: $8,150 / $16,300; Copay: $40 / $60 / $40; Coinsurance: 30% after deductible; Emergency Room: Deductible & coinsurance.

AGA Cigna PPO 5000

AGA Cigna PPO 5000 — Deductible: $5,000 / $10,000; Max Out of Pocket: $8,150 / $16,300; Copay: $20 / $60 / $20; Coinsurance: 30% after deductible; Emergency Room: Deductible & coinsurance.

AHW 5

AHW 5 is an indemnity-style health plan built on the First Health Network that pays set dollar amounts toward doctor visits, hospital stays, surgery, and prescriptions—with no deductible to meet first. It is best suited for generally healthy individuals who want predictable, low-cost coverage for routine care and want a safety net for unexpected medical events, and who do not have complex or ongoing medical conditions.

Anthem EPO 700

Anthem BlueCard PPO network — if a doctor takes insurance, they take the Blue Card, anywhere in the country. $700 individual deductible, $45 office copays, $150 ER copay (waived if admitted), $15/$30/$60 prescriptions plus Tier 4 specialty drugs covered. Flat monthly rates by coverage tier, guaranteed through 06/30/2027.

Bronze

The floor on this network. An $8,000 deductible, but you still get $50 office visits and $0 generics without touching it. From $544 a month for one person.

Cigna DHMO Dental

The Cigna DHMO Dental plan offers comprehensive dental coverage with no deductible and fixed copays for everything from routine cleanings to implants, braces, and root canals. There are no waiting periods and no annual dollar maximums, making it a strong choice for individuals and families who want predictable costs and broad coverage. It works best for people who are comfortable choosing a network dentist and staying within the Cigna Dental network.

Cigna DHMO Dental + Vision

The Cigna DHMO Dental + Vision plan combines comprehensive dental coverage through Cigna's large network with vision benefits through General Vision Services, all with no deductible and no waiting period. Preventive dental care is covered at no cost, and everything from fillings to implants to braces is covered at set copays. This plan is a great fit for individuals and families who want predictable, affordable costs for both their dental and vision needs.

Cigna Ultra 3000 PPO

Cigna Ultra 3000 PPO — Deductible: $3,000 / $6,000; Max Out of Pocket: $9,200 / $18,400; Office Copays: $30 / $60; Coinsurance: 30% after deductible; Rx Coverage: $15 / $65 / $100.

Copay 3500

The Copay 3500 plan is a major medical PPO plan that uses the nationwide PHCS/Multiplan network, giving you flat copays for everyday doctor visits so you know your costs upfront. It's a solid fit for working adults who want predictable out-of-pocket costs for routine care and are comfortable with a $3,500 deductible before coverage kicks in for hospital and surgical services. This plan also includes a $20,000 Humana life insurance benefit and prescription drug coverage with no separate drug deductible.

Copay 4500

The Copay 4500 plan is a PPO that gives you predictable copays for everyday doctor visits — $40 for primary care, $75 for specialists, and $90 for urgent care — before you even touch your deductible. It's a solid fit for working individuals and families who want broad access to the national PHCS network and straightforward costs for routine care, but are willing to take on a higher deductible for major medical events. This plan also includes $20,000 in Humana life insurance and prescription drug coverage at flat copay rates.

Curate Health — telehealth and pharmacy

Delta Dental MAX

Delta Dental MAX — Annual Maximum: $1,500 in-net / $1,000 out; Deductible: $50 / $150; Preventive & Diagnostic: 100% covered; Basic Services: 80% covered; Major Services: 50% covered.

Delta Dental MAX + VSP Vision

Delta Dental MAX + VSP Vision bundle — Dental: $1,500 in-net / $1,000 out annual max, $50/$150 deductible, 100%/80%/50% in & out of network. Vision (VSP Choice): $10 exam / $25 materials copay, $150 frame allowance every 24 months, $150 contact allowance, lenses every 12 months. No monthly admin fee.

Delta Dental PPO 1500

Delta Dental PPO 1500 — Annual Maximum: $1,500 per person; Deductible: $50 / $150; Preventive & Diagnostic: 100% covered; Basic Services: 80% covered; Major Services: 50% covered.

Delta Dental PPO 1500 + VSP Vision

Delta Dental PPO 1500 + VSP Vision bundle — Dental: $1,500 annual max, $50/$150 deductible, 100%/80%/50% in-network, carryover max. Vision (VSP Choice): $10 exam / $25 materials copay, $150 frame allowance every 24 months, $150 contact allowance, lenses every 12 months.

Diamond

The plan to lead with. Nothing to meet before coverage starts, $25 to see your doctor, and a $6,000 ceiling. One price at every age, from $873 a month for one person.

DVP Essentials 2500

DVP Essentials 2500 is a limited benefit plan on the PHCS/Multiplan network designed for individuals who want access to basic doctor visits and hospital care at a lower monthly cost. It works best for generally healthy people who primarily need coverage for routine office visits, a potential hospitalization, or an unexpected urgent situation. Be aware this is not comprehensive major medical insurance — it has strict annual limits on visits and services.

DVP Essentials 5000

The DVP Essentials 5000 is a limited benefit health plan that uses the wide-reaching PHCS/Multiplan network and is best suited for relatively healthy individuals who want low-cost coverage for everyday doctor visits and basic hospital care. It offers flat copays for primary care, specialist, and urgent care visits, with a $5,000 individual deductible applying before major services like hospitalizations or ER visits are covered. This plan is not traditional major medical insurance and carries strict annual limits on services, so it works best as a budget-friendly option for those who rarely need extensive care.

DVP Essentials 7500

DVP Essentials 7500 is a limited benefit plan built on the PHCS/Multiplan network that offers low-cost copays for everyday doctor visits alongside hospital and surgical coverage after a $7,500 deductible. It is best suited for generally healthy individuals who primarily want coverage for routine checkups, a few doctor visits per year, and a safety net for unexpected hospitalizations, and who are comfortable paying a higher share of costs for major medical events. Keep in mind this is not traditional major medical insurance and has strict annual limits on the number of covered visits and services.

Elite Health Plus USA

Elite Health Plus USA is a copay-based medical plan with a $1,000 individual deductible that covers everyday care like doctor visits, urgent care, and prescriptions at predictable flat rates. It is best suited for generally healthy individuals who want lower-cost access to routine and preventive care but do not need coverage for major hospitalizations or surgeries. Be aware that this plan has no out-of-pocket maximum and excludes several significant services.

Elite Health USA

Elite Health USA is a copay-based plan designed for generally healthy individuals who want affordable access to routine doctor visits, prescriptions, and basic urgent and emergency care. It works best for people who rarely need hospitalization or complex procedures, since many advanced services are not covered. This plan includes telemedicine at no cost and a broad formulary for common generic medications.

Gold

Dearer than Diamond with a $3,000 deductible and a higher ceiling, so Diamond beats it on every measure. Not on the shelf.

Guardian DentalGuard PPO

Guardian DentalGuard PPO (UY), through the Westchester Chamber of Commerce. Any dentist: $1,000 annual maximum, $50 deductible (waived for preventive in network). Preventive 100%, basic 80%, major 50%, in or out of network. Rollover maximum included. Paid monthly by ACH.

Guardian Managed DentalGuard (DMO)

Guardian Managed DentalGuard (DMO 3NYM), through the Westchester Chamber of Commerce. Prepaid dental: no deductible, no annual maximum, no claim forms. Cleanings, exams and x-rays $0; you pick a Guardian dental office and pay set copays for everything else (e.g. fillings from $17, root canals from $120, crowns $395). Paid monthly by ACH.

HSA 3500

The HSA 3500 is a high-deductible major medical plan on the PHCS network designed for working individuals who want broad coverage and the ability to save money tax-free through a Health Savings Account. It is a good fit for generally healthy people who want protection against large medical bills while keeping monthly premiums lower. Preventive care is covered at no cost, and the plan covers everything from doctor visits to hospital stays, surgery, mental health, and pregnancy.

HSA 6000

A real HSA plan on the same PPO network. $6,000 deductible, $7,000 ceiling, and every dollar you put in the account is yours. From $640 a month for one person.

HSA 8050

The HSA 8050 is a high-deductible PPO plan designed for generally healthy, working adults who want lower monthly premiums and the ability to save money tax-free through a Health Savings Account (HSA). Once you meet the $8,050 individual deductible, the plan pays 100% of covered in-network services for the rest of the year. It's best suited for people who don't expect frequent medical care and want to build long-term healthcare savings.

HSA 9000

HSA-eligible and the cheapest way onto this network - $426 a month for one person, the same at 25 or 64. A $9,000 deductible is the trade.

Lifeline Medical Gold with Curate Concierge

Lifeline Medical Gold is guaranteed issue on the PHCS network, with no health questions and no waiting periods. It covers preventive care at 100%, $25 primary care and specialist visits, $50 urgent care, labs and x-rays, $0 telemedicine and virtual behavioral health, and Rx copays from $15. It also pays you $2,000 for a hospital admission.

Lifeline Medical Platinum with Curate Concierge

Lifeline Medical Platinum is guaranteed issue on the PHCS network, with no health questions and no waiting periods. It covers preventive care at 100%, $25 primary care and specialist visits, $50 urgent care, labs and x-rays, $0 telemedicine and virtual behavioral health, and Rx copays from $15. It pays you $2,500 for a hospital admission, $200 a day in the hospital, and ER and ambulance benefits.

Med Performance 3500 Classic

The Med Performance 3500 Classic is a comprehensive major medical plan built on the Cigna PPO network, designed for individuals and families who want broad coverage with predictable copays for everyday care. With a $3,500 individual deductible and a $7,350 out-of-pocket maximum, it offers a solid safety net for those who want protection against serious medical events while keeping routine visits affordable. This plan is a strong fit for people who see doctors regularly and want access to one of the largest provider networks in the country.

Med Performance 5000 Classic

The Med Performance 5000 Classic is a comprehensive major medical plan built on the Cigna PPO network, designed for individuals and families who want broad coverage with manageable copays for everyday care. With a $5,000 individual deductible and predictable flat-rate copays for office visits, it's a solid fit for generally healthy people who want protection against larger medical expenses while keeping routine visit costs straightforward.

Med Performance 5000 HSA

The Med Performance 5000 HSA is a major medical plan built for generally healthy individuals and families who want broad Cigna PPO network access and are comfortable covering routine costs out of pocket in exchange for lower premiums. Once you meet the $5,000 individual deductible, the plan pays 80% of in-network costs and caps your total yearly exposure at $6,550 per individual. It includes telemedicine through Evo, prescription drug coverage, and no waiting period to start using your benefits.

Med Performance 7350 Value

The Med Performance 7350 Value is a major medical plan built for generally healthy individuals who want access to the broad Cigna PPO network and are comfortable covering routine costs out of pocket in exchange for a lower monthly premium. It features flat copays for everyday doctor visits and fully covers most services once the $7,350 individual deductible is met. This plan works best for those who rarely use healthcare but want solid protection against large, unexpected medical bills.

MetLife Dental Gold

MetLife Dental Gold — PDP Plus network. $1,500 annual maximum, $50/$150 deductible (basic only), preventive 100%, basic 70%, major 40% (crowns, bridges, dentures, implants) after a 12-month wait. Same share in or out of network.

MetLife Dental Platinum

MetLife Dental Platinum — PDP Plus network. $3,000 annual maximum, $25/$75 deductible, preventive 100%, basic 80%, major 50% (crowns, bridges, dentures, implants) and child orthodontia 50% ($2,000 lifetime) after a 12-month wait. Same share in or out of network.

MetLife Dental Silver

MetLife Dental Silver — PDP Plus network. $1,000 annual maximum, $50/$150 deductible (basic only), preventive 100%, basic 50%, no major work (crowns, bridges, dentures, implants) or orthodontia. No waiting period on preventive or basic. Same share in or out of network.

MVP Advantage

MVP Advantage is a limited benefit plan with no deductible that offers some of the most generous visit allowances in the MVP plan family, including 12 primary care visits, 12 specialist visits, and free telemedicine. It works best for generally healthy individuals who want predictable, low copays for routine doctor visits and want to avoid surprise costs at the point of care. Keep in mind this is not traditional major medical insurance and has annual limits on most services.

MVP Basic

MVP Basic is an entry-level limited benefit plan on the PHCS network designed for generally healthy individuals who primarily need coverage for routine doctor visits and basic medical services. It has no deductible, straightforward copays, and starts coverage immediately with no waiting period. This plan is best suited for those who want predictable, low out-of-pocket costs for everyday care but don't anticipate major medical needs.

MVP Value

The MVP Value plan is a limited benefit plan with no deductible and low copays for doctor visits, making it a budget-friendly option for generally healthy individuals who mainly need coverage for routine office visits and basic medical care. It works best for people who want predictable, low out-of-pocket costs for everyday healthcare needs and can access the wide PHCS network. Keep in mind this is not traditional major medical insurance and has annual limits on most services.

Oxford Freedom Platinum EPO

Oxford Freedom Platinum EPO — Deductible: $0; Max Out of Pocket: $3,250 / $6,500; Copay: $20 / $40 / $50; Coinsurance: 0%; Emergency Room: $250 copay.

Oxford Freedom Silver EPO (HSA)

Oxford Freedom Silver EPO (HSA) — Deductible: $2,500 / $5,000; Max Out of Pocket: $8,000 / $16,000; Copay: $0 / $0; Coinsurance: 40% after deductible; Emergency Room: 50% after deductible.

Oxford Liberty Gold EPO

Oxford Liberty Gold EPO — Deductible: $1,800 / $3,600; Max Out of Pocket: $8,000 / $16,000; Copay: $30 / $60 / $75; Coinsurance: 30% after deductible; Emergency Room: $500 copay.

Oxford Metro Silver EPO

Oxford Metro Silver EPO — Deductible: $3,750 / $7,500; Max Out of Pocket: $9,450 / $18,900; Copay: $30 / $80 / $80; Coinsurance: 40%; Emergency Room: 50% after deductible.

Platinum

For someone who expects to use it. A $250 deductible, 20% coinsurance and a $1,250 ceiling - the lowest exposure in the book. From $1,003 a month for one person.

Silver

$40 to see your doctor with no deductible to meet first, and a $5,000 deductible behind it. From $674 a month for one person.

Solstice DHMO Dental

The Solstice DHMO Dental plan offers comprehensive dental coverage with no deductible, no annual maximum, and no waiting period — meaning your benefits start on day one. You pay predictable, fixed copays for a wide range of services, from routine cleanings to implants and orthodontics. This plan is a strong fit for individuals and families who want immediate, broad dental coverage with no claim forms to fill out.

Solstice DHMO Dental + Vision

A combined dental and vision plan that covers you from day one with no deductible, no waiting periods, and no annual maximum on dental benefits. Preventive dental care is free, and the plan also covers major services like implants, orthodontics, and crowns at set copays. It is a great fit for people who want immediate, predictable dental and vision coverage without worrying about claim forms.

Solstice PPO Dental

The Solstice PPO Dental plan offers straightforward coverage for preventive, basic, and major dental care with no waiting periods and guaranteed acceptance — no health questions required. It pays 100% for routine cleanings and exams, making it a great fit for people who want immediate coverage and value consistent preventive care. This plan works whether you visit an in-network or out-of-network dentist, giving you flexibility in choosing your provider.

Solstice PPO Dental + Vision

The Solstice PPO Dental + Vision plan combines comprehensive dental coverage with annual vision benefits in one convenient plan, with no waiting periods and guaranteed acceptance regardless of your health history. It is a great fit for individuals and families who want solid preventive dental care covered in full, plus yearly help with eye exams and eyewear costs. Those who need routine dental work or simply want the peace of mind of bundled dental and vision coverage will find this plan especially valuable.

Sterling Dual Network

Sterling Dual Network — Deductible: $2,000 / $3,000; Max Out of Pocket: $7,500 / $18,200; Office Copays: $35 / $40; X-Ray & Bloodwork: After deductible; Advanced Imaging: After deductible.

Vault Bronze

Vault Bronze is a guaranteed issue plan with no health questions and no deductible, making it easy to enroll without worrying about your medical history. It uses the PHCS/Multiplan network and offers affordable copays for routine care, though annual visit and service limits apply. This plan works best for generally healthy individuals who want basic coverage for doctor visits, prescriptions, and occasional urgent needs.

Vault Silver

Vault Silver is a guaranteed-issue plan with no health questions required and no waiting period, making it easy to enroll right away regardless of your health history. It offers low copays for everyday doctor visits and access to a broad PHCS/Multiplan network. It's a good fit for individuals who want predictable costs for routine care and need coverage they can count on starting immediately.

VSP Vision

VSP Vision — Eye exam: $10 copay; Lenses: $25 copay; Frames: $130 every 24 months; Contacts: $130 instead of glasses; no waiting periods.