Retiring Early

If you're retiring early, having health insurance coverage is an important part of being able to enjoy your retirement. We have plans to meet your needs. All of our plans offer access to top-quality doctors and hospitals, plus coverage for doctor visits, prescription drugs, urgent care, hospitalization, and free preventive care (view plan for details).

Compare 2014 Plans
Other Ways to Get Coverage

Change Location or Person(s) Covered

2014 Plans in the Albany Region

2014 Plan Benefits (In Network)	Monthly Premium: Single Self + Spouse / Domestic Partner Self + Children Self + Children w/Ped Dental Self + Children to Age 29 Self + Children to 29 w/Ped Dental Family Family + Ped Dental Family + Children to Age 29 Family + Children to 29 w/Ped Dental Child Only Child Only w/Dental	Primary Care Doctor / Specialist Visit	Prescription Drugs¹	Emergency Room / Inpatient Hospital Services per Stay	Annual Deductible: Single Self + Spouse / Domestic Partner Self + Children Family Child Only	Ready to Apply?
HMOBlue Option	$0 $0³ $0³ $0³ $0³	$0	$1/$1/$3 ($0 in certain situations)	$0	$0 Individual $0 Family	Apply
Child Health Plus - up to age 19	$0-$198.11^2,3 Not Applicable $0-$198.11^2,3 $0-$198.11^2,3 $0-$198.11^2,3	$0	$0	$0	$0 Individual $0 Family	Apply
Base - up to age 30 or 30+ and eligible	$367.41⁴ $734.81⁴ $624.60⁴ $1,047.11⁴	Covered in full after deductible	Covered in full after deductible	Covered in full after deductible	$6,350 Individual $12,700 Family	Apply
Your estimated monthly premium after applying your tax credit Reset
Bronze Standard HSA qualified	$373.18 $746.36 $634.41 $641.67⁴ $646.46⁵ $653.87^4,5 $1,063.56 $1,075.75⁴ $1,083.77⁵ $1,096.18^4,5 $153.74 $155.51⁴	Covered at 50% after deductible	$10/$35/$70 copay after deductible	Covered at 50% after deductible	$3,000 Individual $6,000 Family	Apply
Bronze Select HSA qualified	$349.79 $699.57 $594.64 $606.18⁴ $605.94⁵ $617.69^4,5 $996.89 $1,016.22⁴ $1,015.82⁵ $1,035.53^4,5	Covered at 50% after deductible	$10, 40%, 50% copay after deductible	Covered at 50% after deductible	$4,500 Individual $9,000 Family	Apply
Silver Standard	$480.68 $961.36 $817.15 $828.34⁴ $832.68⁵ $844.07^4,5 $1,369.93 $1,388.69⁴ $1,395.95⁵ $1,415.08^4,5 $198.04 $200.75⁴	$30/$50 or less	$10/$35/$70 copay or less (no deductible)	$150/$1,500 or less	$2,000 Individual $4,000 Family	Apply
Silver Select HSA qualified	$442.61 $885.23 $752.44 $763.99⁴ $766.74⁵ $778.51^4,5 $1,261.45 $1,280.78⁴ $1,285.42⁵ $1,305.11^4,5	20% co-insurance or less after deductible	$10/$45/$90 copay or less after deductible	20% co-insurance or less after deductible	$2,000 Individual $4,000 Family	Apply
Gold Standard	$557.84 $1,115.69 $948.33 $960.09⁴ $966.35⁵ $978.33^4,5 $1,589.85 $1,609.56⁴ $1,620.06⁵ $1,640.14^4,5 $229.83 $232.68⁴	$25/$40	$10/$35/$70 copay	$150/$1,000	$600 Individual $1,200 Family	Apply
Gold Select	$559.21 $1,118.42 $950.67 $962.21⁴ $968.73⁵ $980.50^4,5 $1,593.75 $1,613.08⁴ $1,624.03⁵ $1,643.74^4,5	$25/$40	$5/$35/$70 copay	$250/$750	$600 Individual $1,200 Family	Apply
Platinum Standard	$646.41 $1,292.81 $1,098.89 $1,111.76⁴ $1,119.77⁵ $1,132.89^4,5 $1,842.27 $1,863.85⁴ $1,877.27⁵ $1,899.26^4,5 $266.32 $269.43⁴	$15/$35	$10/$30/$60 copay	$100/$500	$0 Individual $0 Family	Apply
Platinum Select	$647.28 $1,294.56 $1,100.38 $1,111.92⁴ $1,121.28⁵ $1,133.05^4,5 $1,844.75 $1,864.08⁴ $1,879.80⁵ $1,899.49^4,5	$15/$25	$5/$25/$50 copay	$75/$150	$0 Individual $0 Family	Apply

Change Location or Person(s) Covered

2014 Plans in the Mid-Hudson Region

2014 Plan Benefits (In Network)	Monthly Premium: Single Self + Spouse / Domestic Partner Self + Children Self + Children w/Ped Dental Self + Children to Age 29 Self + Children to 29 w/Ped Dental Family Family + Ped Dental Family + Children to Age 29 Family + Children to 29 w/Ped Dental Child Only Child Only w/Dental	Primary Care Doctor / Specialist Visit	Prescription Drugs¹	Emergency Room / Inpatient Hospital Services per Stay	Annual Deductible: Single Self + Spouse / Domestic Partner Self + Children Family Child Only	Ready to Apply?
HMOBlue Option	$0 $0³ $0³ $0³ $0³	$0	$1/$1/$3 ($0 in certain situations)	$0	$0 Individual $0 Family	Apply
Child Health Plus - up to age 19	$0-$198.11^2,3 Not Applicable $0-$198.11^2,3 $0-$198.11^2,3 $0-$198.11^2,3	$0	$0	$0	$0 Individual $0 Family	Apply
Base - up to age 30 or 30+ and eligible	$367.41⁴ $734.81⁴ $624.60⁴ $1,047.11⁴	Covered in full after deductible	Covered in full after deductible	Covered in full after deductible	$6,350 Individual $12,700 Family	Apply
Your estimated monthly premium after applying your tax credit Reset
Bronze Standard HSA qualified	$373.18 $746.36 $634.41 $641.67⁴ $646.46⁵ $653.87^4,5 $1,063.56 $1,075.75⁴ $1,083.77⁵ $1,096.18^4,5 $153.74 $155.51⁴	Covered at 50% after deductible	$10/$35/$70 copay after deductible	Covered at 50% after deductible	$3,000 Individual $6,000 Family	Apply
Bronze Select HSA qualified	$349.79 $699.57 $594.64 $606.18⁴ $605.94⁵ $617.69^4,5 $996.89 $1,016.22⁴ $1,015.82⁵ $1,035.53^4,5	Covered at 50% after deductible	$10, 40%, 50% copay after deductible	Covered at 50% after deductible	$4,500 Individual $9,000 Family	Apply
Silver Standard	$480.68 $961.36 $817.15 $828.34⁴ $832.68⁵ $844.07^4,5 $1,369.93 $1,388.69⁴ $1,395.95⁵ $1,415.08^4,5 $198.04 $200.75⁴	$30/$50 or less	$10/$35/$70 copay or less (no deductible)	$150/$1,500 or less	$2,000 Individual $4,000 Family	Apply
Silver Select HSA qualified	$442.61 $885.23 $752.44 $763.99⁴ $766.74⁵ $778.51^4,5 $1,261.45 $1,280.78⁴ $1,285.42⁵ $1,305.11^4,5	20% co-insurance or less after deductible	$10/$45/$90 copay or less after deductible	20% co-insurance or less after deductible	$2,000 Individual $4,000 Family	Apply
Gold Standard	$557.84 $1,115.69 $948.33 $960.09⁴ $966.35⁵ $978.33^4,5 $1,589.85 $1,609.56⁴ $1,620.06⁵ $1,640.14^4,5 $229.83 $232.68⁴	$25/$40	$10/$35/$70 copay	$150/$1,000	$600 Individual $1,200 Family	Apply
Gold Select Not Available in Herkimer, Otsego & Delaware Counties	$559.21 $1,118.42 $950.67 $962.21⁴ $968.73⁵ $980.50^4,5 $1,593.75 $1,613.08⁴ $1,624.03⁵ $1,643.74^4,5	$25/$40	$5/$35/$70 copay	$250/$750	$600 Individual $1,200 Family	Apply
Bassett Gold Select - Herkimer, Otsego & Delaware Counties only	$480.06 $960.12 $816.10 $827.64⁴ $831.61⁵ $843.37^4,5 $1,368.17 $1,387.50⁴ $1,394.16⁵ $1,413.86^4,5	$25/$40	$5/$35/$70 copay	$100/$500	$400 Individual $800 Family	Apply
Platinum Standard	$646.41 $1,292.81 $1,098.89 $1,111.76⁴ $1,119.77⁵ $1,132.89^4,5 $1,842.27 $1,863.85⁴ $1,877.27⁵ $1,899.26^4,5 $266.32 $269.43⁴	$15/$35	$10/$30/$60 copay	$100/$500	$0 Individual $0 Family	Apply
Platinum Select	$647.28 $1,294.56 $1,100.38 $1,111.92⁴ $1,121.28⁵ $1,133.05^4,5 $1,844.75 $1,864.08⁴ $1,879.80⁵ $1,899.49^4,5	$15/$25	$5/$25/$50 copay	$75/$150	$0 Individual $0 Family	Apply

Change Location or Person(s) Covered

2014 Plans in the Rochester Region

2014 Plan Benefits (In Network)	Monthly Premium: Single Self + Spouse / Domestic Partner Self + Children Self + Children w/Ped Dental Self + Children to Age 29 Self + Children to 29 w/Ped Dental Family Family + Ped Dental Family + Children to Age 29 Family + Children to 29 w/Ped Dental Child Only Child Only w/Dental	Primary Care Doctor / Specialist Visit	Prescription Drugs¹	Emergency Room / Inpatient Hospital Services per Stay	Annual Deductible: Single Self + Spouse / Domestic Partner Self + Children Child Only	Ready to Apply?
Blue Choice Option	$0 $0³ $0³ $0³ $0³	$0	$1/$1/$3 ($0 in certain situations)	$0	$0 Individual $0 Family	Apply
Child Health Plus - up to age 19	$0-$198.11^2,3 Not Applicable $0-$198.11^2,3 $0-$198.11^2,3 $0-$198.11^2,3	$0	$0	$0	$0 Individual $0 Family	Apply
Base - up to age 30 or 30+ and eligible	$283.86⁴ $567.71⁴ $482.56⁴ $809.00⁴	Covered in full after deductible	Covered in full after deductible	Covered in full after deductible	$6,350 Individual $12,700 Family	Apply
Your estimated monthly premium after applying your tax credit Reset
Bronze Standard HSA qualified	$288.32 $576.63 $490.15 $495.75⁴ $499.46⁵ $505.18^4,5 $821.70 $831.12⁴ $837.31⁵ $846.91^4,5 $118.78 $120.14⁴	Covered at 50% after deductible	$10/$35/$70 copay after deductible	Covered at 50% after deductible	$3,000 Individual $6,000 Family	Apply
Bronze Select HSA qualified	$270.24 $540.49 $459.42 $468.33⁴ $468.15⁵ $477.23^4,5 $770.19 $785.12⁴ $784.82⁵ $800.04^4,5	Covered at 50% after deductible	$10, 40%, 50% copay after deductible	Covered at 50% after deductible	$4,500 Individual $9,000 Family	Apply
Silver Standard	$371.37 $742.73 $631.32 $639.96⁴ $643.31⁵ $652.12^4,5 $1,058.39 $1,072.89⁴ $1,078.50⁵ $1,093.27^4,5 $153.00 $155.10⁴	$30/$50 or less	$10/$35/$70 copay or less (no deductible)	$150/$1,500 or less	$2,000 Individual $4,000 Family	Apply
Silver Select HSA qualified	$341.96 $683.93 $581.34 $590.25⁴ $592.38⁵ $601.46^4,5 $974.59 $989.52⁴ $993.10⁵ $1,008.32^4,5	20% co-insurance or less after deductible	$10/$45/$90 copay or less after deductible	20% co-insurance or less after deductible	$2,000 Individual $4,000 Family	Apply
Gold Standard	$430.98 $861.97 $732.68 $741.75⁴ $746.60⁵ $755.85^4,5 $1,228.31 $1,243.53⁴ $1,251.65⁵ $1,267.15^4,5 $177.56 $179.76⁴	$25/$40	$10/$35/$70 copay	$150/$1,000	$600 Individual $1,200 Family	Apply
Gold Select	$432.05 $864.09 $734.48 $743.39⁴ $748.43⁵ $757.51^4,5 $1,231.33 $1,246.26⁴ $1,254.72⁵ $1,269.94^4,5	$25/$40	$5/$35/$70 copay	$250/$750	$600 Individual $1,200 Family	Apply
Platinum Standard	$499.41 $998.82 $849.00 $858.94⁴ $865.13⁵ $875.26^4,5 $1,423.33 $1,440.00⁴ $1,450.37⁵ $1,467.36^4,5 $205.76 $208.17⁴	$15/$35	$10/$30/$60 copay	$100/$500	$0 Individual $0 Family	Apply
Platinum Select	$500.09 $1,000.17 $850.14 $859.06⁴ $866.30⁵ $875.38^4,5 $1,425.24 $1,440.17⁴ $1,452.32⁵ $1,467.53^4,5	$15/$25	$5/$25/$50 copay	$75/$150	$0 Individual $0 Family	Apply

Change Location or Person(s) Covered

2014 Plans in the Syracuse Region

2014 Plan Benefits (In Network)	Monthly Premium: Single Self + Spouse / Domestic Partner Self + Children Self + Children w/Ped Dental Self + Children to Age 29 Self + Children to 29 w/Ped Dental Family Family + Ped Dental Family + Children to Age 29 Family + Children to 29 w/Ped Dental Child Only Child Only w/Dental	Primary Care Doctor / Specialist Visit	Prescription Drugs¹	Emergency Room / Inpatient Hospital Services per Stay	Annual Deductible: Single Self + Spouse / Domestic Partner Self + Children Family Child Only	Ready to Apply?
HMOBlue Option	$0 $0³ $0³ $0³ $0³	$0	$1/$1/$3 ($0 in certain situations)	$0	$0 Individual $0 Family	Apply
Child Health Plus - up to age 19	$0-$198.11^2,3 Not Applicable $0-$198.11^2,3 $0-$198.11^2,3 $0-$198.11^2,3	$0	$0	$0	$0 Individual $0 Family	Apply
Base - up to age 30 or 30+ and eligible	$345.15⁴ $690.29⁴ $586.75⁴ $983.67⁴	Covered in full after deductible	Covered in full after deductible	Covered in full after deductible	$6,350 Individual $12,700 Family	Apply
Your estimated monthly premium after applying your tax credit Reset
Bronze Standard HSA qualified	$350.58 $701.14 $595.98 $602.81⁴ $607.30⁵ $614.27^4,5 $999.13 $1,010.58⁴ $1,018.12⁵ $1,029.78^4,5 $144.43 $146.09⁴	Covered at 50% after deductible	$10/$35/$70 copay after deductible	Covered at 50% after deductible	$3,000 Individual $6,000 Family	Apply
Bronze Select HSA qualified	$328.60 $657.19 $558.62 $569.46⁴ $569.23⁵ $580.28^4,5 $936.49 $954.65⁴ $954.29⁵ $972.79^4,5	Covered at 50% after deductible	$10, 40%, 50% copay after deductible	Covered at 50% after deductible	$4,500 Individual $9,000 Family	Apply
Silver Standard	$451.55 $903.11 $767.64 $778.15⁴ $782.23⁵ $792.94^4,5 $1,286.94 $1,304.56⁴ $1,311.39⁵ $1,329.34^4,5 $186.04 $188.58⁴	$30/$50 or less	$10/$35/$70 copay or less (no deductible)	$150/$1,500 or less	$2,000 Individual $4,000 Family	Apply
Silver Select HSA qualified	$415.80 $831.60 $706.86 $717.70⁴ $720.29⁵ $731.34^4,5 $1,185.03 $1,203.19⁴ $1,207.55⁵ $1,226.05^4,5	20% co-insurance or less after deductible	$10/$45/$90 copay or less after deductible	20% co-insurance or less after deductible	$2,000 Individual $4,000 Family	Apply
Gold Standard	$524.05 $1,048.09 $890.88 $901.92⁴ $907.81⁵ $919.06^4,5 $1,493.54 $1,512.05⁴ $1,521.91⁵ $1,540.78^4,5 $215.90 $218.58⁴	$25/$40	$10/$35/$70 copay	$150/$1,000	$600 Individual $1,200 Family	Apply
Gold Select	$525.33 $1,050.67 $893.07 $903.91⁴ $910.04⁵ $921.08^4,5 $1,497.20 $1,515.36⁴ $1,525.65⁵ $1,544.15^4,5	$25/$40	$5/$35/$70 copay	$250/$750	$600 Individual $1,200 Family	Apply
Platinum Standard	$607.25 $1,214.49 $1,032.32 $1,044.41⁴ $1,051.94⁵ $1,064.25^4,5 $1,730.65 $1,750.92⁴ $1,763.53⁵ $1,784.19^4,5 $250.19 $253.12⁴	$15/$35	$10/$30/$60 copay	$100/$500	$0 Individual $0 Family	Apply
Platinum Select	$608.06 $1,216.13 $1,033.71 $1,044.56⁴ $1,053.35⁵ $1,064.41^4,5 $1,732.99 $1,751.15⁴ $1,765.91⁵ $1,784.42^4,5	$15/$25	$5/$25/$50 copay	$75/$150	$0 Individual $0 Family	Apply

Change Location or Person(s) Covered

2014 Plans in the Utica Region

2014 Plan Benefits (In Network)	Monthly Premium: Single Self + Spouse / Domestic Partner Self + Children Self + Children w/Ped Dental Self + Children to Age 29 Self + Children to 29 w/Ped Dental Family Family + Ped Dental Family + Children to Age 29 Family + Children to 29 w/Ped Dental Child Only Child Only w/Dental	Primary Care Doctor / Specialist Visit	Prescription Drugs¹	Emergency Room / Inpatient Hospital Services per Stay	Annual Deductible: Single Self + Spouse / Domestic Partner Self + Children Family Child Only	Ready to Apply?
HMOBlue Option	$0 $0³ $0³ $0³ $0³	$0	$1/$1/$3 ($0 in certain situations)	$0	$0 Individual $0 Family	Apply
Child Health Plus - up to age 19	$0-$198.11^2,3 Not Applicable $0-$198.11^2,3 $0-$198.11^2,3 $0-$198.11^2,3	$0	$0	$0	$0 Individual $0 Family	Apply
Base - up to age 30 or 30+ and eligible	$367.41⁴ $734.81⁴ $624.60⁴ $1,047.11⁴	Covered in full after deductible	Covered in full after deductible	Covered in full after deductible	$6,350 Individual $12,700 Family	Apply
Your estimated monthly premium after applying your tax credit Reset
Bronze Standard HSA qualified	$373.18 $746.36 $634.41 $641.67⁴ $646.46⁵ $653.87^4,5 $1,063.56 $1,075.75⁴ $1,083.77⁵ $1,096.18^4,5 $153.74 $155.51⁴	Covered at 50% after deductible	$10/$35/$70 copay after deductible	Covered at 50% after deductible	$3,000 Individual $6,000 Family	Apply
Bronze Select HSA qualified	$349.79 $699.57 $594.64 $606.18⁴ $605.94⁵ $617.69^4,5 $996.89 $1,016.22⁴ $1,015.82⁵ $1,035.53^4,5	Covered at 50% after deductible	$10, 40%, 50% copay after deductible	Covered at 50% after deductible	$4,500 Individual $9,000 Family	Apply
Silver Standard	$480.68 $961.36 $817.15 $828.34⁴ $832.68⁵ $844.07^4,5 $1,369.93 $1,388.69⁴ $1,395.95⁵ $1,415.08^4,5 $198.04 $200.75⁴	$30/$50 or less	$10/$35/$70 copay or less (no deductible)	$150/$1,500 or less	$2,000 Individual $4,000 Family	Apply
Silver Select HSA qualified	$442.61 $885.23 $752.44 $763.99⁴ $766.74⁵ $778.51^4,5 $1,261.45 $1,280.78⁴ $1,285.42⁵ $1,305.11^4,5	20% co-insurance or less after deductible	$10/$45/$90 copay or less after deductible	20% co-insurance or less after deductible	$2,000 Individual $4,000 Family	Apply
Gold Standard	$557.84 $1,115.69 $948.33 $960.09⁴ $966.35⁵ $978.33^4,5 $1,589.85 $1,609.56⁴ $1,620.06⁵ $1,640.14^4,5 $229.83 $232.68⁴	$25/$40	$10/$35/$70 copay	$150/$1,000	$600 Individual $1,200 Family	Apply
Gold Select Not Available in Herkimer, Otsego & Delaware Counties	$559.21 $1,118.42 $950.67 $962.21⁴ $968.73⁵ $980.50^4,5 $1,593.75 $1,613.08⁴ $1,624.03⁵ $1,643.74^4,5	$25/$40	$5/$35/$70 copay	$250/$750	$600 Individual $1,200 Family	Apply
Bassett Gold Select - Herkimer, Otsego & Delaware Counties only	$480.06 $960.12 $816.10 $827.64⁴ $831.61⁵ $843.37^4,5 $1,368.17 $1,387.50⁴ $1,394.16⁵ $1,413.86^4,5	$25/$40	$5/$35/$70 copay	$100/$500	$400 Individual $800 Family	Apply
Platinum Standard	$646.41 $1,292.81 $1,098.89 $1,111.76⁴ $1,119.77⁵ $1,132.89^4,5 $1,842.27 $1,863.85⁴ $1,877.27⁵ $1,899.26^4,5 $266.32 $269.43⁴	$15/$35	$10/$30/$60 copay	$100/$500	$0 Individual $0 Family	Apply
Platinum Select	$647.28 $1,294.56 $1,100.38 $1,111.92⁴ $1,121.28⁵ $1,133.05^4,5 $1,844.75 $1,864.08⁴ $1,879.80⁵ $1,899.49^4,5	$15/$25	$5/$25/$50 copay	$75/$150	$0 Individual $0 Family	Apply

¹ Prescription drug copayments for most plans use a tiered coverage level. Check the Tier of Your Medications.

² Costs vary based on household size and income. If you have children, they may qualify for Medicaid or Child Health Plus.

³ All Child Health Plus, Family Health Plus, HMOBlue Option, and Blue Choice Option policies are Single policies (a separate policy for each family member).

⁴ The Base plan is not eligible for Tax Credit Subsidies.

¹ Prescription drug copayments use a 3-tier coverage level. Check the Tier of Your Medications.

² Costs vary based on household size and income.

³ All Child Health Plus, HMOBlue Option, and Blue Choice Option policies are Single policies (a separate policy for each family member).

The benefit information provided is a brief summary, not a complete description of benefits. Limitations, copayments, and restrictions may apply. Benefits, formulary, pharmacy network, premium and/or co-payments/co-insurance may change on January 1 of each year.

Other Ways to Get Coverage

If you're retiring early, you should also check into these options:

Check with your employer to see if they offer health insurance options for early retirees.
If you are nearing age 65, learn more about Medicare.
Use our Tax Credit Calculator to see if you may be eligible for financial assistance from the Federal Government.

Need Help?

Our dedicated insurance advisors can help you get coverage.
Learn when you can enroll

The Annual Open Enrollment period begins on November 15, 2014. But you may be eligible for a Special Enrollment Period. There are certain life changes such as having a baby, getting married or if your coverage under another plan is ending that qualify you. Call our dedicated Insurance Advisors at 1-888-679-7105 to see if you qualify.

For HMOBlue Option, Blue Choice Option or Child Health Plus, call 1-800-716-4885
Hours

Mon. - Thurs. 8 a.m. to 6 p.m.
Friday 9 a.m. to 6 p.m.

For All Other Plans, call
1-888-679-7105
TDD/TTY: 1-800-421-1220
Hours

Mon. - Thurs. 8 a.m. to 7 p.m
Friday 9 a.m. to 7 p.m.