Sunday, 24 February 2019

Where And How To Buy Bitcoins Best Ways To Buy

Where And How To Buy Bitcoins Best Ways To Buy



It's clean to find where to buy bitcoins on line because there are so many alternatives.

In case you need to examine the first-rate way to buy bitcoins, maintain analyzing!

Chapters

bankruptcy 1
introduction

chapter 2
selecting an change

chapter three
price techniques

click TO PLAY VIDEO






bankruptcy four



FAQs

bankruptcy 5
keep away from Scams


bankruptcy 6
comfortable your cash

We remember the fact that shopping for bitcoins can be extremely puzzling and irritating. Fortuitously for you, this website online has enough information to help make buying bitcoins less complicated for you.

Preserve analyzing!

Jordan Tuwiner Founder, purchase Bitcoin international
bankruptcy 1
introduction to buying
pleasant bitcoin pockets
want to discover ways to purchase bitcoin or get bitcoins?

You’re inside the right location!

The short answer is:

discover a Bitcoin alternate

trade your nearby currency, like U.S. Dollar or Euro, for bitcoins

circulate your bitcoins into a comfy Bitcoin pockets

For the lengthy solution, study this Bitcoin buying guide and with the aid of the stop you’ll apprehend these key factors:

How and where to shop for bitcoin

the way to pick out the right alternate

a way to relaxed your coins once you purchase

how to keep away from scams


beneath, we listed exchanges you may use to buy BTC.
Certain exchanges are in reality there to thieve your non-public statistics or rob you of your bitcoins.


Chapter 2
deciding on an exchange: that's the fine Bitcoin change?
To pick out the suitable exchange to your desires, remember these 7 factors.

1. Privateness: keep Your records safe!
Want to buy BTC private?

You could already go off a number of payment strategies:

financial institution switch
credit card
Debit card
PayPal
any other method that requires in my opinion or identifying statistics
buying bitcoins with coins or coins deposit is the maximum non-public manner to buy bitcoins.

We also have a detailed manual which exhibits your alternatives for buying with out verification or identification.



Coin atm radar
Coinbase's shopping for limits. They range for credit score card and bank switch.
CoinMama has  getting  a high credit  card score .

Maximum cash exchanges not have shopping for limits. Limits, but, will vary between person dealers and are typically decrease than on line exchanges.

Three. Velocity: while Do You need get admission to on your Bitcoins?
How fast do you want to transform ordinary money into bitcoins? Different fee techniques supply your cash at distinctive speeds.

Your first Bitcoin purchase can be time and ingesting. When you get the whole thing setup all next purchases could be much faster!

Jordan Tuwiner Founder, buy Bitcoin worldwide


Some agents provide immediately buys with financial institution transfer, credit card, or debit card.

4. Change rate
there may be no reliable Bitcoin rate. Use BitcoinAverage or CoinDesk to peer the common price of Bitcoin throughout all main global Bitcoin exchanges and examine that to the price on your preferred alternate.

Coin atm radar
The CoinDesk Bitcoin price Index averages the charge across a couple of exchanges to create a strong reference point.

5. Reputation: Don't Get Scammed!
How long has the exchange been in service? Is the exchange trustworthy? Our Bitcoin exchange reviews can help you to find a trusted exchange.

6. Fees: Are You Getting a Good Deal?
How much does the exchange charge for its services? The fee will vary greatly based on the payment method you choose to use.

Remember to include deposit and withdrawal fees as well as trading fees. Some exchanges will lower their fees if you trade a lot of bitcoins.

7. Payment Method
How can you pay for the bitcoins? Payment method may be the most important factor.

In fact:

We're sure you already have a payment method in mind that you'd prefer to use. More on that below.


GET A WALLET!
Some exchanges require a Bitcoin wallet before you can buy.

If you don't have a wallet yet, learn how to get a Bitcoin wallet and then come back.

We'll wait for you here ;)

Know your Payment Method?
FIND AN EXCHANGE ›
CHAPTER 3
Payment Methods
We can both agree that this Bitcoin stuff is confusing. Stick with us!

We're about to have you on your way to choosing a payment method and buying bitcoins.

Jordan Tuwiner Founder, Buy Bitcoin Worldwide
Where to Buy Bitcoin?
Purchase bitcoins online with a credit card, debit card, or bank transfer.
Acquire bitcoins from a Bitcoin ATM near you.
Buy bitcoins with cash locally or via cash deposit.
Convert PayPal to Bitcoin online.
The above was just a brief overview of where you can buy bitcoin. Now, let's get into the details.

In order to buy bitcoins, you’ll need to exchange your local currency, like Dollars or Euros, for bitcoin. Here’s an overview of the 4 most common payment methods:

1. Credit or Debit Card
best bitcoin walletCredit/debit cards are the most common way to pay online. So, it's really no surprise that many people want to buy bitcoins this way.

Why buy bitcoin with a credit/debit card?
Credit cards are a payment method most people are familiar with; probably the easiest way to buy bitcoins online
Delivery of bitcoins is instant once initial verification is complete
Why NOT buy bitcoin with a credit/debit card?
High fees; if you're patient and not in a rush to buy then use a bank transfer for lower fees
Not a private way to buy; your ID will be required to buy with a credit card
A few places to buy bitcoins online with a credit card are:

Coinbase - USA, Canada, Singapore, and Europe
Coinmama - Global
CEX.IO - Global
BitPanda - Europe
You can also check out our complete guide on how to buy bitcoins with credit card or debit card.

Bank Account or Bank Transfer
best bitcoin wallet Bank transfer is one of best ways to buy bitcoins in most countries.

Why buy bitcoins with bank account/transfer?
Good way to buy large amounts of bitcoins
Using a bank transfer will usually result in the lowest fees, so you can get a great price on your purchase
Why not to buy bitcoins with bank account/transfer?
Usually requires ID verification, so not a good choice for privacy
Slow; in the USA, bank transfers can take up to 5 days to complete
Some of the best ways to buy bitcoins with your bank account:

Coinbase - USA, Canada, Singapore, and Europe
BitPanda - Europe
Gemini - US & Canada
You can also check out our complete guide on how to buy bitcoins with a bank account/bank transfer.

Cash
best bitcoin walletCash deposit is often the fastest and most private ways to buy bitcoin. You can usually receive your bitcoins within a couple hours.

What are cash exchanges good for?
Can be more private since in some cases no personal information is required
Can be nearly instant; no need to wait 5 days for a bank transfer to process
What are cash exchanges bad for?
Privacy comes at a cost; cash exchanges often have price 5-15% above market rate
Easier to get scammed or robbed; need to be on alert and follow the exchange's rules
Some of the best places to buy bitcoin instantly with cash:

LocalBitcoins - Global
BitQuick - USA
Wall of Coins - United States, Canada, Germany + 5 more
You can also check out our complete guide on how to buy bitcoins with cash or cash deposit.

Note: There is no easy way to buy bitcoin at Walmart. We get asked this A LOT!

Get this:

There are Bitcoin ATMs all around the world that let you purchase bitcoin with cash.

You simply insert cash into the machine, and get bitcoins sent to your wallet.

Use Coin ATM Radar to find a Bitcoin ATM near you.

coin atm radar
Coin ATM Radar's map of New York Bitcoin ATMs. There are 900+ ATMs in 50+ countries.
What are Bitcoin ATMs good for?
Can be more private since in most cases no personal information is required
If you have an ATM in your area it can be a convenient and fast way to buy coins
What are Bitcoin ATMs bad for?
Privacy comes at a cost; Bitcoin ATMs often have a 5-15% premium above market rate
PayPal
There is no way to directly buy bitcoins with PayPal. Under PayPal’s terms and conditions merchants are not allowed to sell bitcoins for PayPal.

I really recommend not buying bitcoins with PayPal. The fees are really high. Chances are that your PayPal is connected to your credit card or bank account, which can be used to buy at much lower fees.

Jordan Tuwiner Founder, Buy Bitcoin Worldwide
However, there are a few hacks to get around this. You can buy other digital items with PayPal and sell those items for bitcoin. It's all explained in our guide on how to buy bitcoins with PayPal.

Why buy bitcoins with PayPal?
If you already have a balance, it can be an easy and fast way to convert PayPal to bitcoins
Cons of buying bitcoins with PayPal
Fees are over 12%; much better to just buy with a credit card or bank account
CHAPTER 4
Frequently Asked Questions
If you're still a bit confused, that's okay. Buying bitcoins is hard, but that's why I built this site, to make it easier!

If you still need help, I hope this FAQ will help to answer any remaining questions.

Jordan Tuwiner Founder, Buy Bitcoin Worldwide
When is the Right Time to Buy?
As with any market, nothing is for sure. Bitcoin is traded 24/7 and its price changes every second.

coin atm radar
Bitcoin's price in US dollars during 2015 and 2016. It's impossible to say when to buy.
Use tools like Bitcoin Wisdom or

Tuesday, 19 February 2019

Best Car Insurance Rates in Utah

Best Car Insurance Rates in Utah
Depending on where drivers live in Utah, the cost of auto insurance averaged $1,245 per year according to our research .The biggest factor affecting auto insurance quotes in Utah was which insurer they picked. Quotes from the most expensive carrier cost 68% or $1,414 more than the cheapest company in Utah. Our report below summarizes where we found the lowest rates for car insurance in Utah by state and by each of the 32 cities, including Salt Lake City, Provo, and West Jordan, etc.

Cheapest Auto Insurance Companies
Best Car Insurance Rates: by City
Best Auto Insurance Companies in UT
Average Cost of Auto Insurance: by City
Cheapest Auto Insurance in Utah
Based on our male driver, we found the three cheapest rates for car insurance in Utah at Bear River Mutual, GEICO, and Farm Bureau Mutual. Progressive and American Family round out the top five most affordable carriers here. The average cost of insuring a Toyota Camry at the three cheapest companies was $804 - 35% below the state mean. We'd recommend including any one of these companies, as well as comparing at least three quotes, when you're looking for low-cost auto insurance in Utah.

This graph shows where to find the cheapest car insurance companies in the Beehive State
Find the Cheapest Auto Insurance Quotes in Your Area

Zip Code

Currently insured?

Find Insurers
Bear River Mutual: We found the cheapest rates for car insurance in Utah at Bear River - by about 47% lower compared to the state mean for our 30 year old sample male driver. Bear River Mutual is a local insurer that operates as a mutual company, where its customers are also its owners. Any traditional profits are supposed to get funneled back to the policyholders via lower rates. It operates through independent agencies, with about six agencies in Salt Lake City, two in West Valley City, six in Provo, and a handful more scattered across the Beehive State.

GEICO: GEICO generally ranks as one of the most affordable insurers in our nation-wide studies. In Utah, our single male driver saw an average rate that was about 36% cheaper than what the typical insurer quoted - that shaves about $454 off on auto insurance costs a year. While they're predominantly an online company that handles most of their business and quoting through their website, they do have one local agent stationed in Salt Lake City for consumers who prefer in-person interactions.

Farm Bureau: Farm Bureau Mutual was the third cheapest auto insurance company in Utah. Rates for a basic policy averaged just shy of $950 a year for our example driver, who had excellent driving records and good credit. One thing to note about Farm Bureau is that they require membership in order to be eligible for their insurance products, and the dues are $65 a year. While the $65 membership fee makes the average annual rate higher than Allied's, there are some benefits that accompany it, such as discounts to car rentals and AAA membership.

Check out the table below for a list of the 12 Utah auto insurers we studied. They're listed from the most affordable rates we found for our benchmark drivers to the highest. Your actual rates will differ based on your driver profile.

City Auto Insurance Company Annual Premium
Bountiful Bear River $648
GEICO $805
Farm Bureau Mutual $888
Brigham City Bear River $624
GEICO $785
Progressive $892
Clearfield Bear River $648
GEICO $744
Progressive $977
Draper Bear River $720
GEICO $837
Farm Bureau Mutual $960
Heber Bear River $636
GEICO $827
American Family $1,044
Kanab Bear River $624
GEICO $790
Farm Bureau Mutual $996
Kaysville Bear River $648
GEICO $752
Progressive $964
Kearns Bear River $720
GEICO $846
Farm Bureau Mutual $1,032
Layton Bear River $648
GEICO $741
Farm Bureau Mutual $900
Lehi Bear River $720
GEICO $814
Farm Bureau Mutual $948
Logan Farm Bureau Mutual $636
Bear River $636
GEICO $748
Midvale Bear River $636
GEICO $823
Farm Bureau Mutual $960
Moab Bear River $624
GEICO $790
Progressive $958
Nephi Bear River $624
GEICO $790
Progressive $879
Ogden Bear River $660
GEICO $762
Farm Bureau Mutual $972
Orem Bear River $660
GEICO $826
Farm Bureau Mutual $936
Park City Bear River $636
GEICO $753
Farm Bureau Mutual $984
Price Bear River $624
GEICO $790
Progressive $942
Provo Bear River $660
GEICO $795
Farm Bureau Mutual $948
Richfield Bear River $624
GEICO $790
Progressive $960
Riverton GEICO $804
Farm Bureau Mutual $876
Bear River $960
Roosevelt Bear River $636
GEICO $790
Progressive $997
Roy Bear River $648
GEICO $753
Farm Bureau Mutual $948
Saint George Bear River $648
GEICO $786
Farm Bureau Mutual $876
Salt Lake City Bear River $636
GEICO $864
Farm Bureau Mutual $876
Sandy Bear River $720
GEICO $828
Farm Bureau Mutual $936
South Jordan Bear River $720
GEICO $818
Farm Bureau Mutual $936
Spanish Fork Bear River $660
GEICO $771
Farm Bureau Mutual $948
Springville Bear River $660
GEICO $806
Farm Bureau Mutual $960
Syracuse Bear River $648
GEICO $744
Farm Bureau Mutual $936
Tooele Bear River $636
GEICO $753
Progressive $938
West Jordan Bear River $720
GEICO $790
Farm Bureau Mutual $1,008
Show All Rows
Minimum Auto Insurance Requirements in Utah
The rates we cite above reflect a driver getting full coverage insurance. For cheaper rates, drivers can opt instead for the state minimum which are the following:

$25,000 per person/$65,000 per accident of bodily injury liability
$15,000 of property damage liability per incident
$3,000 personal injury protection (PIP) per person
Cheapest Car Insurance in Utah: by City
We analyzed quotes across 10 companies in 32 cities in Utah, and present in the table below which companies had the three best car insurance rates in each location. For the most part, Bear River and GEICO dominated as the cheapest and 2nd cheapest insurer in each city, respectively. Farm Bureau and Progressive alternated with the third best rates depending on the city. Even in Kearns, West Jordan, and Salt Lake City, which ranked with three of the most expensive rates out of Utah, there's still opportunity to save by shopping for quotes.

City Auto Insurance Company Annual Premium
Bountiful Bear River $648
GEICO $805
Farm Bureau Mutual $888
Brigham City Bear River $624
GEICO $785
Progressive $892
Clearfield Bear River $648
GEICO $744
Progressive $977
Draper Bear River $720
GEICO $837
Farm Bureau Mutual $960
Heber Bear River $636
GEICO $827
American Family $1,044
Kanab Bear River $624
GEICO $790
Farm Bureau Mutual $996
Kaysville Bear River $648
GEICO $752
Progressive $964
Kearns Bear River $720
GEICO $846
Farm Bureau Mutual $1,032
Layton Bear River $648
GEICO $741
Farm Bureau Mutual $900
Lehi Bear River $720
GEICO $814
Farm Bureau Mutual $948
Logan Farm Bureau Mutual $636
Bear River $636
GEICO $748
Midvale Bear River $636
GEICO $823
Farm Bureau Mutual $960
Moab Bear River $624
GEICO $790
Progressive $958
Nephi Bear River $624
GEICO $790
Progressive $879
Ogden Bear River $660
GEICO $762
Farm Bureau Mutual $972
Orem Bear River $660
GEICO $826
Farm Bureau Mutual $936
Park City Bear River $636
GEICO $753
Farm Bureau Mutual $984
Price Bear River $624
GEICO $790
Progressive $942
Provo Bear River $660
GEICO $795
Farm Bureau Mutual $948
Richfield Bear River $624
GEICO $790
Progressive $960
Riverton GEICO $804
Farm Bureau Mutual $876
Bear River $960
Roosevelt Bear River $636
GEICO $790
Progressive $997
Roy Bear River $648
GEICO $753
Farm Bureau Mutual $948
Saint George Bear River $648
GEICO $786
Farm Bureau Mutual $876
Salt Lake City Bear River $636
GEICO $864
Farm Bureau Mutual $876
Sandy Bear River $720
GEICO $828
Farm Bureau Mutual $936
South Jordan Bear River $720
GEICO $818
Farm Bureau Mutual $936
Spanish Fork Bear River $660
GEICO $771
Farm Bureau Mutual $948
Springville Bear River $660
GEICO $806
Farm Bureau Mutual $960
Syracuse Bear River $648
GEICO $744
Farm Bureau Mutual $936
Tooele Bear River $636
GEICO $753
Progressive $938
West Jordan Bear River $720
GEICO $790
Farm Bureau Mutual $1,008
Show All Rows
Salt Lake City, UT
Salt Lake City ranked as the third most expensive city with an average rate that is 6% higher than the state average. The average premium here for our sample driver was $1,314. The capital and the most populous city in Utah, SLC was founded by Brigham Young and other Mormon followers in 1847 and is the headquarters for the Church of the Latter Day Saints. The happiest snowflakes fall in Utah, as ads for the city have proclaimed, and ardent skiers no doubt have visited runs at Park City and Canyons Resort, or Snowbird and Alta. CNN calls Salt Lake City the “least stressed-out city in the U.S.” due to its job opportunities and low cost of living - perhaps with the exception of auto insurance.

For the best car insurance rates in Salt Lake City, we'd recommend getting quotes from Bear River, GEICO, and Farm Bureau. The cost of insuring a Toyota Camry at these three companies was the lowest for the sample driver that we obtained quotes for. Rates averaged $792, and were $523 cheaper compared to the typical insurer in SLC. Progressive and American Family help to round out the five best rates here. In total, the five companies quoted a mean annual premium of $942 for our sample profile, which came out to being 28% lower than the SLC average.

This graph shows which companies in SLC had the best rates for auto insurance for our two sample drivers
Provo, UT
To get the cheapest quotes for car insurance in Provo, we suggest starting at Bear River Mutual, GEICO, and Farm Bureau. From our data set, rates from these three carriers were about $801 or 36% cheaper for our driver’s vehicles compared to the other insurers here. Bear River and Farm Bureau are great for Utah locals who prefer having one point of contact for their insurance needs, and GEICO would be great for people looking for a simple and quick online quote. The city of Provo is home to about 116,000 Utahns, including pop culture figures such as actress Julianne Hough, the Osmond family, and Imagine Dragons. It also is the site of Brigham Young University, one of the largest private universities in the U.S. with an estimated 34,000 student body.

This column graph ranks the five auto insurers with the cheapest quotes in Provo
West Jordan, UT
Also located in Salt Lake County, West Jordan ranks as the second most expensive city for auto insurance in the state. The city was founded in 1850, when the first sawmill was built in the area. Its population has grown exponentially since the 1970s, and today includes students at the Salt Lake Community College and Broadview University. Our example driver saw rates averaging $1,316 per year to insure their vehicles. Although rates here are 6% higher than the state mean, drivers can still save on their costs. We found the five most affordable car insurance rates in West Jordan at Bear River, GEICO, Farm Bureau Mutual, Progressive, and American Family. Compared to the 10-company composite of $1,245, these five insurers cost about $976 on average. That's savings of 22% for our benchmark driver - equal to $269 back in their wallets.

Here are the five companies that we found the most affordable rates for insuring a vehicle in West Jordan.
Orem, UT
Who has the lowest auto insurance rates in Orem? We compared rates across 10 carriers underwriting in Orem, and that distinction went to Bear River, GEICO, and Farm Bureau. Rates ranged from $660 to $936 for our typical single male driver in Orem for the three most affordable companies. Your rates will differ significantly, because our driver had excellent blemish-free rates in the past five years and a good credit history. Nevertheless, we recommend these three, along with Progressive and American Family as a starting point when you're thinking about where to get quotes from for low-cost auto insurance. About a 40-mile drive from Salt Lake City, Orem's population is 88,000. It's located at the base of the Wasatch Mountains, and near the banks of the Utah Lake. Forbes has recognized it as a great place to raise a family, and from outdoor activities in nearby Provo Canyon to kid-friendly spots like Nickel City and skating at the Classic Fun Center, it's not hard to see why.

This graph answers the question of who has the lowest rates for insuring a vehicle in Orem, UT
Sandy, UT
If you're looking for cheap auto insurance in Sandy, we direct your attention to Bear River, GEICO, Farm Bureau, Progressive, and American Family Insurance Company. With an average annual rate of $960 for our single male driver, these five companies were $343 or 22% cheaper than the typical carrier operating in Sandy. With Little Cottonwood Canyon so close by, hiking trails like the Bell Canyon and Cecret Lake routes are just a hop, skip, and jump away for Sandy residents. The 87,000 people who live here have a plethora of nature and green outdoor space to relax in, from Dimple Dell Regional Nature Park to the Flat Iron Mesa Park.

As this graph illustrates, Bear River, GEICO, Farm Bureau, Allied, and American Family had the five cheapest rates for car insurance in Sandy.
Best Rated Auto Insurance Companies in Utah
To determine which companies were the best in Utah, we looked at complaint data submitted by consumers to the Utah Insurance Department. Their complaint ratio measures the number of valid complaints against each insurer per $100,000 of premiums underwritten by the company. The lower the complaint ratio, the better the company. By this metric, Auto Owners, Safeco, USAA, Bear River Mutual, and Mid-Century were the five best car insurance companies in Utah. Below are the companies ranked from best-rated to the ones with the highest share of complaints relative to their market share.

Rank

Auto Insurance Company Earned Premiums in UT Complaint Ratio
1

Auto Owners $20,102,224 0.0000
2

Safeco 18,343,179 0.0000
3

USAA 47,405,875 0.0000
4

Bear River Mutual 67,868,102 0.0010
5

Mid-Century 149,636,182 0.0010
6

Allstate 139,913,941 0.0020
7

Farm Bureau 33,750,676 0.0030
8

Metro Group 18,008,796 0.0060
9

Progressive 101,827,957 0.0060
10

State Farm 226,864,725 0.0070
11

American Family 60,257,129 0.0080
12

Liberty Mutual 22,873,791 0.0090
13

CSAA 21,509,550 0.0140
14

GEICO 68,760,081 0.0180
Average Cost of Auto Insurance by City
The average premiums for the five most affordable cities come in 5% under the state average. Based on our sample drivers' costs of insuring a Toyota Camry, the average across these five cheapest cities is $1,178. They're a diverse group, varying widely in population, from 5,000 to 80,000 in size, and are situated all over the Beehive State. The five most expensive cities have an average rate of $1,320. They are located in Salt Lake City County, relatively closely to SLC. The graph below presents the entire list, and ranks the 30+ cities from the lowest average auto insurance rates to the highest.

This graph ranks cities in Utah from those with the lowest auto insurance rates to those with the highest
How We Conducted the Study
For the study, we collected premiums for one sample driver in more than 30 cities in the state for a 30 year old single male. The example driver owns his 2011 Toyota Camry vehicles in full and commute to and from work, using about 12,000 miles a year. He also has a good credit history and a great driving record - no accidents or traffic violations in the past five years. The state requires minimum Bodily Injury Liability protection of $25,000 per person, and up to $65,000 per accident. It also requires that drivers are insured for up to $15,000 for property damage and $3,000 for no-fault, or personal injury, protection. We included national insurers such as GEICO, Allstate, and State Farm in our study. Our table below shows the difference between the required minimums and our study, where we assumed basic liability protection for the Camry.

Saturday, 9 February 2019

Loan And Insurance in USA

Loan And Insurance in USA

New York’s health insurance marketplace
The health of New York’s state-based exchange, NY State of Health remains strong heading into 2019. The exchange has robust insurer participation, and premiums are still lower for 2019 than they were in 2013. (That’s not the case in most states, but New York had guaranteed-issue coverage long before the ACA, but without a mandate requiring people to buy coverage and without premium subsidies for middle-class enrollees. As a result, coverage was expensive in New York pre-2014.)


Enrollment in NY State of Health – including QHPs (private plans), the Essential Plan, Medicaid, and Child Health Plus – reached more than 4.3 million by the end of January 2018 (when open enrollment ended for QHPs). That was an increase of 700,000 over the prior year’s total enrollment.
New York is a progressive state that embraced health care reform decades ahead of most of the rest of the country. The Affordable Care Act has smoothed out some rough edges in the New York insurance market, and since implementing Obamacare, the state has continued upon these improvements. In January 2017, prior to the inauguration of Donald Trump, New York Governor, Andrew Cuomo, announced that repealing the ACA would cause 2.7 million New Yorkers to lose their health insurance coverage.

Although Republican leaders spent 2017 attempting to repeal the ACA, most of their efforts fell short. All of the ACA repeal bills that were considered in 2017 failed to win enough support to pass, although the GOP tax bill, enacted in December 2017, did repeal the individual mandate penalty, starting in 2019 (there is still a penalty for being uninsured in 2018, which will be assessed on tax returns in early 2019, but there will not be a federal penalty for being uninsured starting in 2019).

A few states have implemented their own individual mandates for 2019 and beyond, although New York is not one of them. But Governor Cuomo took action in early 2017 to protect New York residents’ access to birth control and abortion coverage, regardless of the future of the ACA. The Governor also worked to ensure continued robust insurer participation in the individual market, and ongoing access to essential health benefits. Lawmakers once again considered a single-payer system during the 2018 legislative session — it passed the Assembly, but fell short in the Senate, just as it did in 2017.

Compare plans and rates in your ZIP code
2019 exchange carriers
New York has a very robust individual health insurance market, with 12 carriers offering plans in the exchange, and two that offer plans only outside the exchange. All of them will continue to offer coverage for 2019, with average rate increases (before subsidies are applied) of 8.6 percent. (Details about approved average rate changes for each plan are available here). The following insurers offer individual-market plans in New York’s exchange:

Capital District Physicians Health Plan
Empire BlueCross and Empire Blue Cross Blue Shield
Excellus (Excellus Blue Cross Blue Shield in Central New York and Univera in Western New York)
Fidelis Care
Health Insurance Plan of Greater New York (EmblemHealth)
Healthfirst New York
HealthNow New York, Inc. (BlueShield of Northeastern New York, and BlueCross BlueShield of Western New York)
Independent Health
MetroPlus Health Plan
MVP Health Plan, Inc.
Oscar Insurance Corporation
United Healthcare of New York, Inc
Two insurers – Crystal Run Health Plan and HealthFirst Insurance Company – will continue to offer off-exchange plans in 2019.

In the small-group market – where more than a million New Yorkers get their health coverage – employers with up to 100 employees can purchase ACA-compliant plans. With the exception of Fidelis, all of the individual-market carriers offer small-group plans, in addition to Aetna Life, Oxford, and some additional divisions of a few of the companies that offer individual market plans.

Fifteen New York health carriers offer plans under the state’s Basic Health Program. Also known as the “Essential Plan,” this coverage is for people with incomes up to 200 percent of the federal poverty level and does not include a deductible or premium. New York and Minnesota are the only states that have established BHPs.

New York State of Health enrollment tops 4.3 million
Open enrollment for 2019 coverage will run from November 1, 2018 to January 31, 2019 for qualified health plans. (Enrollment in Medicaid, Child Health Plus, and the Essential Plan continues year-round.)

Open enrollment for 2018 coverage followed the same November to January schedule, ending on January 31, 2018. In May 2018, New York State of Health published an enrollment report, noting that total enrollment in public and private plans through the exchange (including Medicaid, the Essential Plan, Child Health Plus, and private plans) had reached 4.3 million people by the end of January, which was an increase of 700,000 people compared with the year before.


At the end of the open enrollment period for 2018 coverage, enrollment was as follows:

253,102 people had enrolled in private health plans, aka QHPs.
738,851 people had enrolled in the Essential Plan (a Basic Health Program for people with income up to 200 percent of the poverty level)
374,577 people had enrolled in Child Health Plus
2,965,863 people had enrolled in Medicaid
New York’s QHP enrollment numbers dropped in 2016, which was due in part to the Essential Plan becoming available. The Essential Plan also reduced the percentage of QHP enrollees who received premiums subsidies, dropping from 70 percent in 2015 to 55 percent in 2016. That had increased to 59 percent by 2018.

Read more about the New York health insurance marketplace.

Health Republic CO-OP closed in November 2015
One of the available plans during the first two open enrollment periods was an ACA-created Consumer Oriented and Operated Plan (CO-OP). Under the ACA, the federal government awarded $2 billion in start-up funding to CO-OPs in 22 states.

In New York, the CO-OP was Freelancers Health Service Corporation (also known as Health Republic), which received $174 million in federal funding. The CO-OP was highly successful in terms of enrollments, garnering about 20 percent of the individual market in New York in both 2014 and 2015. However, it struggled financially, and in September 2015, state and federal regulators shut down the CO-OP.

CLICK TO PLAY VIDEO


Learn more about the Affordable Care Act’s CO-OPs.

New York Medicaid/CHIP enrollment
Medicaid/CHIP enrollment in New York increased by 14 percent from the fall of 2013 to July 2018. The state’s acceptance of federal funding to expand Medicaid eligibility to 138 percent of poverty has played a significant role in New York’s Obamacare success.

The ACA called for Medicaid expansion nationwide, but in 2012 the Supreme Court ruled that states could opt out, and 19 states have not yet expanded their Medicaid programs.

During the first open enrollment period, the Kaiser Family Foundation estimated that about 43 percent of the 2.2 million non-elderly uninsured residents in New York would be eligible for Medicaid or CHIP under the expanded eligibility guidelines created by the ACA. Eligible applicants can enroll in New York Medicaid year-round, so total enrollment has continued to increase, further lowering the uninsured rate in New York.

The addition of the Essential Plan in 2016 helped to smooth the transition between Medicaid and private health plans. People with income a little too high for Medicaid (139 percent to 200 percent of the federal poverty level) qualify for the Essential Plan instead of having to enroll in a subsidized private plan. Enrollment in the Essential Plan had reached 740,000 people by 2018, and will continue to have premiums of $20/month or less in 2019.

Read more about Medicaid expansion in New York.

Short-term health insurance in New York


The state of New York requires health plans to be guaranteed renewable and cover essential health benefits. As a result of those two regulations, the state does not allow the sale of short-term health plans, despite new federal short-term rules.

Read more about short-term health insurance in New York.

How Obamacare has helped New York
In most of the United States, individual health insurance was medically underwritten prior to 2014, meaning that people with pre-existing conditions were often unable to purchase private coverage. But in New York, former Gov. Mario Cuomo signed a law in 1992 that required all policies in the state to be guaranteed issue, regardless of medical history. They also switched to a community rating system, with the same premiums charged for everyone, regardless of age.

Although the 1992 law was heralded by consumer advocates as a victory, it lacked two of the major market stabilization components that the ACA has now enacted. There were no open enrollment periods (people could buy coverage anytime they wanted), and there was no individual mandate, so people could wait until they were in need of care before purchasing health insurance.

Two decades later, health insurance premiums in New York were the highest in the nation, and coverage options were very limited, with few carriers choosing to participate in the market in New York.

The ACA brought much-needed changes to New York, keeping the guaranteed issue model (and in New York, coverage is still community-rated), but adding the vitally important individual mandate, limited enrollment period, and premium subsidies to make coverage affordable for middle class enrollees. As a result, the rates that the state approved for 2014 were an average of 50 percent lower than 2013 rates, and that was before factoring in the subsidies that 60 percent of New York State of health’s QHP enrollees receive (QHP stands for qualified health plan, which is another word for the private health plans offered for sale in the exchange, as opposed to Medicaid, the Essential Plan, and Child Health Plus). Officials in NY noted that 2018 premiums continue to be more than 50 percent lower than pre-2014 rates, despite modest rate increases each year.
In 2013, about 10.7 percent of New York residents were uninsured, according to US Census data. By 2017, that number had fallen by nearly half, to 5.7 percent. At that point, the average uninsured rate across the US was 8.7 percent, and just 13 states had uninsured rates lower than New York’s.

NY State of Health enrolled more than 4.3 million people during the open enrollment period for 2018 coverage, including enrollments in the Essential Plan, Child Health Plus, Medicaid, and individual qualified health plans.  Enrollments continue year-round for Medicaid, Child Health Plus, and the Essential Plan.

New York’s lawmakers and the Affordable Care Act
In 2010, New York’s U.S. senators (Democrats Kirsten Gillibrand and Charles Schumer) both voted yes on the ACA. In the U.S. House, 24 Democrats voted yes, while two Republicans and two Democrats (Michael McMahon and Michael Arcuri) voted no. Schumer and Gillibrand are still in the Senate. Both McMahon and Arcuri were replaced by new Democrats in 2013. The U.S. House delegation from New York currently consists of nine Republicans and 17 Democrats, with one vacant seat. We have a summary of how each of them has voted on key health care reform legislation.

In New York’s state legislature, there’s a strong Democratic majority in the House. Although the Senate also technically has a Democratic majority, nine Democrats caucus with the Republicans, including eight who belong to the Independent Democratic Conference (IDC). This has allowed Republicans to retain control of the state Senate, although the IDC members have signed on as co-sponsors of the legislation that would create a single-payer system in New York.

Democratic Governor Andrew Cuomo is an ardent supporter of the ACA, saying in 2012, “We look forward to continuing to work together with the Obama administration to ensure accessible, quality care for all New Yorkers.” He has continued with that support, moving ahead in January 2017 to implement regulations that protect contraceptive and abortion coverage at the state level, regardless of the future of the ACA under the Trump Administration.

The state has been fully on-board with ACA implementation from the start, opting for a state-run exchange (NY State of Health) and expanding Medicaid to cover residents with incomes up to 138 percent of poverty. The state was also only the second in the nation (after Minnesota) to implement the ACA’s provision to create a Basic Health Program, extending very low-cost health insurance (the Essential Plan) to residents with incomes up to 200 percent of the poverty level.

Medicare enrollment in New York
New York Medicare Medicare enrollment reached nearly 3.6 million enrollees in 2018 – almost 18 percent of the state’s population, which is consistent with the percentage of people enrolled in Medicare nationwide. As of 2016, about 85 percent of New York Medicare recipients qualify for coverage based on age alone, while the remaining 15 percent were on Medicare due to disability.

When it comes to spending, Original Medicare per-beneficiary spending in New York averaged $9,670 in 2016. That’s above  the national average spending of $9,533.

Those who want additional benefits beyond what original Medicare offers can choose a Medicare Advantage plan instead of traditional coverage. In New York, 38 percent of Medicare recipients had Medicare Advantage plans as of 2017.

Medicare Part D plans are also an option for Medicare beneficiaries who want to stand-alone prescription drug coverage. In 2018, nearly 1.5 million New York beneficiaries had a stand-alone Rx plan.

New York health insurance resources
Community Health Advocates
State-based health reform legislation
In 2014, New York lawmakers passed A.9205, the “Emergency Medical Services and Surprise Bills” law. This legislation took effect in 2015, and protects consumers in some circumstances from having to pay surprise balance bills when they’re treated by out-of-network providers at in-network facilities, or when they’re referred to an out-of-network provider by their in-network provider. A year later, the law was showing signs of being a “reasonable compromise” between competing interests of insurers, providers, and patients.
New York lawmakers have tried for years to pass single payer legislation (here is the 2018 version of the legislation), but although it has passed the state Assembly for several years in a row, the Senate has not passed it.

At the bottom of this page, we have a summary of other recent New York bills related to healthcare reform.


welve insurers offer 2019 health plans through state's exchange; the state extended open enrollment through January 31, 2019.
Louise Norris
Health insurance & health reform authority
December 16, 2018
Health insurance in New York

New York’s operates its own health exchange NY State of Health.
New York has long been a leader in health reform.
Twelve insurers are offering 2019 coverage through the state exchange.
Open enrollment for 2019 was extended through January 31, 2019. After that, residents would need a qualifying event to enroll in an ACA-compliant plan.
On average 2019 premiums have increased 8.6%
About 253,000 New York residents enrolled in 2018 QHPs through the state exchange.
Another 739,000 New Yorkers enrolled in the Essential Plan.
New York adopted Medicaid expansion in 2013. Medicaid enrollment has grown by 14% since 2013.
The state’s Health Republic CO-OP closed in 2015.
The state’s uninsured rate has dropped 47% since 2013.
New York does not allow the sale of short-term plans.
3.5 million New Yorkers are enrolled in Medicare.
New York overview: Taking advantage of all the ACA has to offer
New York has fully embraced the Affordable Care Act (ACA). The state expanded Medicaid, established its own health insurance exchange, and even created a Basic Health Program (BHP) for people who earn more than the Medicaid eligibility threshold, but not more than 200 percent of the poverty level. BHPs are allowed under the ACA, but only New York and Minnesota opted to create them.