Licensed in New York
Health, Life & Disability Insurance in New York
Independent, fee-free help choosing health, life, and disability coverage across New York. I work for you—not the insurance company.
Insurance in New York
New York has one of the most regulated and consumer-protective insurance markets in the country—and one of the most expensive. Freelancers, artists, and small-business owners, especially in New York City, make up a large slice of the individual market and often overpay simply because the options are confusing.
New York runs its own state-based exchange, NY State of Health, with an open enrollment window that typically runs later than the federal deadline. New York does not allow short-term health plans and uses community rating, so pricing works differently here than in most states we serve.
Because New York uses community rating, your age and health don’t change your base premium the way they do elsewhere—so the smart move is comparing networks and total cost carefully. Here I work with freelancers and city small-business owners on private and off-exchange health options plus the life and disability coverage they usually lack, rather than exchange enrollment.
- Population
- ~19.6 million residents
- Health marketplace
- State-Based Exchange
- Open Enrollment
- November 16 – January 31
- Short-term plans
- Not allowed
- Licensed agent
- Liam is personally licensed in New York.
- Major employers
- Northwell Health, JPMorgan Chase, IBM, Montefiore, Mount Sinai Health System
Good to know
In New York, I focus on private and off-exchange health plans, life, and disability coverage—I don’t enroll clients through the NY State of Health. If a marketplace plan is your best fit, I’ll say so and point you the right way.
Straight talk
New York does not allow short-term health plans—residents must choose ACA-compliant coverage, and community rating means everyone pays the same base rate regardless of health.
What we help New York residents with
Private & off-exchange health plans
Off-marketplace and private options matched to your doctors and your budget.
Life insurance
Term and permanent coverage sized to what your family would actually need.
Disability & income protection
The coverage most people forget until they can’t work—sorted before you need it.
Self-employed & small business
Coverage built for 1099 income, freelancers, and owners with no HR department.
Why work with a broker licensed in New York
Insurance is regulated state by state, and an agent can only legally advise and enroll you if they hold a license in the state where you live. That rule protects you—it means the person recommending a plan actually knows New York’s carriers, networks, and marketplace rules rather than guessing from out of state.
Liam is personally licensed in New York, so working with Transparent Benefit Solutions in New York is fully compliant—and because I’m independent, I compare plans across every carrier available to you instead of pushing one company’s products. My help is free; the carriers pay the commission, and your premium is identical either way.
Licensed in FL, GA, TX, TN, OH, NY, VA, WI, DC.
New York insurance questions
No. As an independent broker I’m paid by the insurance carriers, not by you, so my help in New York is free. Your premium is the same whether you enroll with me or on your own—you just get someone in your corner.
Not in New York. New York uses the State-Based Exchange (NY State of Health), and you can enroll there on your own—but my help in New York focuses on private and off-exchange health plans, plus life and disability coverage. If a marketplace plan is genuinely your best option, I’ll tell you that plainly and point you to the exchange.
Open Enrollment for New York runs November 16 – January 31. Outside that window you can still enroll if you have a qualifying life event—losing job coverage, moving, marriage, or a new baby—and I can confirm whether you qualify for a Special Enrollment Period.
Absolutely—that’s a big part of who I work with in New York. I’ll walk you through private and off-exchange health options along with life and disability coverage that replaces the employer benefits you don’t have.
You call me—not a 1-800 menu. As your broker in New York I stay your point of contact after you enroll, so if a claim is denied, a bill looks wrong, or your plan changes at renewal, you have someone who already knows your situation and can help sort it out.
Let's find out what you're actually paying for.
A free 15-minute call, no obligation. Worst case, you learn your current plan is fine.