Health Insurance Plans for 2026

Preferred Employee Benefits & Insurance Partner

Ryan & Ryan Insurance Brokers, Inc. — 2026 Employee Benefits

Start Here — What Type of Coverage Do You Need?

I’m an individual with no business partner/no employees
As licensed New York State of Health (NYSOH) brokers, we will:
• Determine your subsidy eligibility
• Enroll you directly in your 2026 plan

2026 Individual Health Options

• MVP 2026 Individual Medical Plans
• Delta Dental Individual
• VSP Vision
• AllyHealth Telemedicine — virtual medical and behavioral care
• Accident & Life

Contact Yvonne for individual enrollment help

I’m an employer with at least one W-2 employee, 1099 or partner (not a spouse)
You likely qualify for New York Small Group Health Insurance, including employers with only one eligible W-2, 1099, or partner.

2026 Small Group Plans (Q1):

• MVP Small Group Q1 2026
• CDPHP Small Group Q1 2026
• UnitedHealthcare Small Group Q1 2026
• Delta Dental 2026 Group Plans
• Healthy New York — New York State subsidized small group coverage
• AllyHealth Telemedicine — virtual medical and behavioral care

Contact Yvonne for a proposal

I want to reimburse employees’ individual plans pre-tax (HRA Options)

ICHRA — Individual Coverage HRA
A tax-free allowance employees use to buy their own individual health plan.

QSEHRA — Qualified Small Employer HRA
A tax-free reimbursement option for employers under 50 employees who are not offering a group plan.

Contact Yvonne for guidance

I need the most affordable ACA-compliant option

MEC Plans— Minimum Essential Coverage
Covers preventive services and satisfies the ACA employer mandate.

MV Plans— Minimum Value Plan
Includes essential medical benefits and meets the ACA’s 60% actuarial value requirement.

Contact Yvonne for rates

I want large-group pricing or integrated HR/payroll

A PEO (Professional Employer Organization) may offer:

• Large-group medical pricing
• Broad networks
• Integrated payroll and HR

Contact Yvonne for a PEO comparison

Medicare Coverage (Individuals & Employer Groups)
We assist with Medicare Advantage, Supplemental, Part D, and transitions from employer coverage.

Contact Yvonne for plans & pricing

Employer Services & Administrative Partnerships

• 401(k) Retirement Plan Partnerships
• HRIS Systems (Human Resource Information Systems)
• Employee Navigator
• Section 125 — Premium Only Plan (POP Plan)
• COBRA & State Continuation Administration
• HRA (Health Reimbursement Arrangement) & HSA (Health Savings Account) Support
• ACA (Affordable Care Act) Compliance