Small Business



Recertification and Changes


Once a year, you must recertify that the business continues to meet the eligibility requirements of the Healthy NY program. The recertification date is on your policy’s annual renewal date. Your insurance company will provide you with the recertification form at least 90 days before your annual renewal date.

At recertification, you must confirm that:

  • The business must have had 50 or fewer full-time equivalent employees in the prior calendar year,
  • The business will continue to contribute at least 50% of the cost of premiums for full-time, non-seasonal employees, and
  • At least 30% of employees earn $44,075 or less in annual wages (wage levels are adjusted annually).

If you do not complete and return the recertification form by the due date, then your business’ coverage will terminate. If the business does not continue to meet the eligibility requirements of the program at recertification, then it will not be able to continue in the program. Your insurance company must provide you with at least 45 days written notice that coverage will end due to not meeting the eligibility requirements.

Mid-Year Changes

Mid-year changes in group size, wage levels and employee participation will not result in immediate termination of Healthy NY coverage. If the business does not meet the eligibility requirements at the time of recertification, it will be unable to continue in the program.

Changing Insurers

You may change insurance companies at any time.

To do this, you must reapply to the Healthy NY program and send your completed application and premium check to the insurance company with which you want coverage. The business must meet the eligibility criteria at the time of application.

For information on which insurance companies offer Healthy NY in your county and premium rates, visit the Insurers and Rates page. If the insurance company receives a completed application and first month’s premium payment by the 20th of the month, coverage will start the first of the following month.

You will also need to terminate your existing coverage according to the terms of the contract. Usually you must give at least one month prior notice.

It is not possible to transfer enrollment with one insurance company to another insurance company.