Syracuse Health Insurance: Your Guide to Coverage Options
Shop Affordable Syracuse NY Health Insurance Plans
Are you shopping for a Syracuse health insurance plan? Care to understand the New York Health Insurance market better? Here you’ll discover the necessary resources to help you make an informed decision and an instant quoting tool showing all Syracuse health insurance options.
What types of Health Insurance coverage are available for me?
When looking into health insurance options, it’s important to understand the various health plans available. Are you employed where you have access to coverage at work? Are you self-employed or a freelancer in which an association plan might help you save money? Are you Medicare eligible? If your none of those, then there’s always an individual plan. You can access coverage through the New York official health plan marketplace, where you can enroll during the open enrollment period that starts on November 1. Those who experience certain life events, such as getting married or losing a job, may qualify for a special enrollment period to obtain coverage outside of the regular enrollment window.
Depending on your situation, you may qualify for different healthcare options, including the Essential Plan, which is a zero premium insurance plan. and those with lower incomes may qualify for financial assistance or perhaps Medicaid. By law, all plans include the 10 essential benefits such as doctor visits, emergency services, prescription medications, maternity care and many plans may even cover dental.
The health insurance coverage options offered for all Onondaga County group and individual types of insurances typically involve various plan designs including Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO), and Point of Service (POS) plans. Each has its own deductible and out-of-pocket expenses that you need to consider. When you select a health plan, always consider the plan’s network of doctors and hospitals, and be sure that the plan covers mental health services and preventive screening for wellness. This helps estimate your total health care costs and potential savings.
When selecting a plan, individuals should consider factors like health insurance premiums, yearly deductible, and copayment amounts for visits to a primary care doctor or specialist. Some plans may require a referral for specialist visits, while others offer more flexibility.
What Health Insurance companies are available in Syracuse NY?
Individuals – In Syracuse, NY, several health insurance companies provide a range of options for residents seeking health coverage. For 2025, Individuals may choose a plan from the following three companies
Fidelis Care
Excellus Blue Cross Blue Shield
MVP
Groups – the following carriers offer coverage
Fidelis Care
Excellus Blue Cross Blue Shield
MVP
Aetna
United Healthcare
Average Premiums of Syracuse Health Plans
Below are the average monthly premiums for the most common health plans in Sycacuse City for 2025| Low | Medium | High | |
|---|---|---|---|
| Bronze | $493 | $725 | $857 |
| Silver | $644 | $882 | $1,059 |
| Gold | $834 | $1,083 | $1,322 |
| Platinum | $1,018 | $1,472 | $1,609 |
Onondaga Monthly Premiums in 2025 by Insurance Company and Plan Design
Fidelis Care
LOW HIGH
BRONZE Bronze HSA Bronze ST
Premium $493 $496
Deductible $5,500 / $11,000 $3,800 / $7,600
Max. out of Pocket $8,050 / $16,100 $9,200 / $18,400
SILVER Silver ST Silver Enhanced
Premium $644 $661
Deductible $2,100 / $4,200 $2,100 / $4,200
Max. out of Pocket $9,200 / $18,400
$9,200 / $18,400
GOLD Gold ST Gold Enhanced
Premium $834 $853
Deductible $600 / $1,200 $600 / $1,200
Max. out of Pocket $7,900 / $15,800 $7,900 / $15,800
PLATINUM Platinum ST ------
Premium $1,018 ------
Deductible $0 ------
Max. out of Pocket $2,000 / $4,000 ------
Excellus BCBS
LOW MED HIGH
BRONZE Bronze Secure Plus 3 Bronze Select NS Bronze ST
Premium $725 $753 $759
Deductible $9,200 / $18,400 $5,500 / $11,00 $3,800 / $7,600
Max. out of Pocket $9,200 / $18,400 $7,500 / $15,000 $9,200 / $18,400
SILVER Silver Select NS -------- Silver ST
Premium $984 -------- $992
Deductible $3,200 / $6,400 -------- $2,100 / $4,200
Max. out of Pocket $7500 / $15,000
-------- $9,200 / $18,400
GOLD Gold Select NS -------- Gold ST
Premium $1,226 -------- $1,277
Deductible $1,050 / $2,100 -------- $600 / $1,200
Max. out of Pocket $8,750 / $17,500 -------- $7,900 / $15,800
PLATINUM Platinum Select NS -------- Platinum ST
Premium $1,472 -------- $1,485
Deductible $0 -------- $0
Max. out of Pocket $6,350 / $12,700 -------- $2,000 / $4,000
MVP Healthcare
LOW MED HIGH
BRONZE Premier Bronze 1 ST HDHP Premier Plus Bronze 3 NS HDHP Premier Bronze 2 ST
Premium $786 $804 $857
Deductible $5,500 / $11,000 $6,000 / $12,000 $3,800 / $7,600
Max. out of Pocket $8,050 / $16,100 $7,100 / $14,200 $9,200 / $18,400
SILVER Premier Silver 1 ST Premier Plus Silver 3 NS HDHP Premier Plus Silver 13 NS
Premium $1,049 $1,057 $1,059
Deductible $2,100 / $4,200 $2,650 / $5,300 $2,900 / $5,800
Max. out of Pocket $9,200 / $18,400 $9,200 / $18,400 $9,100 / $18,200
GOLD Premier Plus Gold 2 NS HDHP Premier Plus Gold 1 NS Premier Gold 1 ST
Premium $1,253 $1,295 $1,322
Deductible $1,650 / $3,300 $1,200 / $2,400 $600 / $1,200
Max. out of Pocket $6,900 / $13,800 $5,900 / $11,800 $7,900 / $15,800
PLATINUM Premier Platinum 1 ST ------ ------
Premium $1,609 ------ ------
Deductible $0 ------ ------
Max. out of Pocket $2,000 / $4,000 ------ ------
How do I get an Insurance Quote and compare different health insurance plans
The easiest method for an individual to run a quote and find the right plan is to use the online quoting tool above. First enter your zip code, family size and annual income. Then select from the results and choose the type of plan you’re interested in and one that is affordable. Be sure to choose a plan that includes your current physicians as well as coverage for any prescription drugs that you’re currently using.
Am I required to have health insurance in Syracuse?
Well, that depends. For Individuals and small groups with 1 to 100 employees in New York State it’s not mandatory. However large groups with 100 or more employees are required to offer all full-time employees working 30 or more hours per week insurance. That applies not in NYS but throughout the United States
In Conclusion
Navigating the health insurance landscape in Syracuse, NY, can be challenging, but with the right resources and information, you can make an informed decision. Whether you’re looking for individual health insurance, group plans, Medicare, or free health options for adults and children, understanding the various coverage types and their benefits is crucial. Utilize the instant quoting tool to compare different plans and find the one that best fits your needs. Remember to consider factors such as network providers, premiums, deductibles, and out-of-pocket costs when selecting a plan. With comprehensive coverage options available, you can ensure that you and your family have access to essential health services. Happy health insurance shopping!