contact@vgdny.com

516-872-2017


Individual Insurance

Individual Insurance Quotes

Health Insurance

When you sign up for an Oscar health plan, you’re saving both time and money because every plan comes with:

  • Free and unlimited telemedicine, available 24/7. With Doctor on Call, your clients can talk to a doctor from the comfort of their own home or on the go. Now including prescription refills!
  • No referrals to see a specialist, ever. That means one less copay and one less trip to the doctor’s office for your clients.
  • Help with finding affordable health care. Our Concierge teams can help with recommending, coordinating, and guiding your clients to the best care that fits their unique needs. Plus, Oscar members who use our intuitive online & in-app search tool to find care save an average of $340 per year.*

Dental Insurance

Find the individual dental insurance that is right for you
DentalForEveryone.com offers a variety of individual dental plans to accommodate any budget, including discount dental plans for as low as $7.95 a month. Whether you are searching for a dental plan that offers savings on orthodontia or discounts on oral surgery, you will find it here at affordable prices.

NY State of Health Marketplace

Individuals & Families
You and your family have many low cost, quality health insurance options available through the Individual Marketplace.
You can quickly compare health plan options and apply for assistance that could lower the cost of your health coverage. You may also qualify for health care coverage from Medicaid or Child Health Plus through the Marketplace.

Frequently Asked Questions: https://nystateofhealth.ny.gov/frequently-asked-questions.html

What the penalty for not having health insurance in 2016 & 2017?

The fee is calculated 2 different ways – as a percentage of your household income, and per person. You’ll pay whichever is higher.

Percentage of income

2.5% of household income

Maximum: Total yearly premium for the national average price of a Bronze plan sold through the Marketplace

Per person

$695 per adult

$347.50 per child under 18

Maximum: $2,085

How is the fee paid?

Using the percentage method, only the part of your household income that’s above the yearly tax filing requirement is counted.

Using the per-person method, you pay only for people in your household who don’t have insurance coverage.

If you have coverage for part of the year, the fee is 1/12 of the annual amount for each month you (or your tax dependents) don’t have coverage. If you’re uncovered only 1 or 2 months, you don’t have to pay the fee at all. Learn about the “short gap” exemption.

You pay the fee when you file your federal tax return for the year you don’t have coverage.

What happens if i dont pay the fee?

The IRS will hold back the amount of the fee from any future tax refunds. There are no liens, levies, or criminal penalties for failing to pay the fee.

What if i buy a plan outside of the market place?

Any plan that meets the standards for qualifying health coverage counts under the health care law. If it does, you won’t have to pay the fee.

You can buy qualifying health coverage directly from an insurance company, from an online seller, or through an agent or broker.