Cost pressure
Premium, deductible, out-of-pocket maximum, copays, and total expected cost — not premium alone.
Signature user value
Current Plan Checkup Scorecard.
Already have health insurance? Enter or upload the basics from your current plan, premium bill, renewal letter, or Summary of Benefits and Coverage. CoveredNYC organizes the comparison factors so a licensed broker can see whether better-fit available options may be worth reviewing.
Not NY State of Health or the governmentNo guarantee a better plan existsPolicy/SBC review readyLicensed broker review required
Network and prescriptions
Doctors, hospitals, and prescription formularies can make a plan better or worse for a particular person.
Public/free-care check
Medicaid, Essential Plan, Child Health Plus, and NYC Care paths should be considered before assuming private plan comparison is the only route.