With our small business plans, you’ll find the coverage that’s right for you and your employees. All plans meet Affordable Care Act requirements for essential health benefits and offer:

  • Access to the largest provider network
  • No referrals required
  • Zero cost preventive care
  • Integrated wellbeing strategy with rewards and incentives
  • Online tools to help employees manage their plan

Plan Types & Cost Sharing

Member cost sharing varies by Metal Levels.


Learn the difference between Copay, Coinsurance & Deductible

  Copay Hybrid Deductible

We also offer ACA-compliant pediatric dental coverage built right into your plan.

Additional Coverage Options

Alternative Coverage Option

Part of the Affordable Care Act is intended to improve dental coverage for children, including preventive, routine, and some major dental coverage. Enrollees who purchase medical coverage outside the NY State of Health Marketplace are required to purchase a medical plan with pediatric dental coverage included or a qualified stand-alone plan. By purchasing a medical plan with dental included, you can be sure children will receive comprehensive coverage overseen by our staff of medical management experts. Both medical and pediatric dental services will count towards your out-of-pocket maximums.

Modal for Essential Health Benefits

Modal for Understanding the Metal Levels

Modal for Copay, Coinsurance & Deductible

Need Help?

Our expert advisors can help you find plans to meet your company's needs: 

Rochester: (585) 339-7806 

CNY/Utica: (607) 259-9274 
Includes Oneonta, Plattsburgh, and Watertown 

Binghamton: 1-877-208-5264 
Susanna Smith: (607) 259-9274 

Megan Schmidt: (607) 738-8962 
Derek Stevens: (607) 425-4902 
Susanna Smith: (607) 259-9274