2027 Group Health Insurance & Employee Benefits

Ryan & Ryan Insurance Brokers, Inc. — Preferred Employee Benefits & Insurance Partner of the Ulster County Regional Chamber of Commerce

Employer Group Coverage

New York employers may qualify for group health insurance with at least one eligible common-law employee. Eligibility for businesses with W-2 employees, independent contractors, or non-spouse business partners depends on carrier underwriting, business structure, and supporting documentation. A 1099 contractor alone does not automatically establish group eligibility.

Some carriers request payroll, tax filings, or other proof of an established employer-employee relationship. UnitedHealthcare/Oxford eligibility is subject to its current underwriting rules. Contact Dan Gruner (dgruner@ryaninsure.com) to review your business circumstances.

2027 Small Group Health Insurance Plans & Rates

• MVP Small Group — Q1 2027 Hudson Valley
• CDPHP Small Group — Q1 2027 Hudson Valley
• UnitedHealthcare Small Group — Q1 2027 Mid-Hudson / Region 3

Healthy New York — Small Business Coverage

Healthy New York may provide eligible small employers with an additional group coverage option. Eligibility includes employer size, wage criteria, employer premium contribution, employee participation, and prior-coverage requirements. Requirements and wage thresholds are subject to the program rules in effect when applying. Contact Dan Gruner (dgruner@ryaninsure.com) for an eligibility review.

• MVP Healthy New York — Q1 2027
• CDPHP Healthy New York — 2027 All Quarters

Group Dental & Vision

• Delta Dental Group Plans — 2027
• Group vision coverage is available. Quotes upon request; contact Dan Gruner.

Professional Employer Organizations (PEOs)

A professional employer organization may offer eligible employers a combined solution for employee benefits and workforce administration, including:

• Group health and ancillary benefit options
• Payroll, HR, onboarding, and benefits-administration support

PEO services, eligibility, plan availability, and pricing vary by provider and employer.

Large Group Health Insurance — Alternative Funding

Level-funded plans: Combine predictable monthly payments with features of self-funded coverage and may offer claims-based savings, depending on plan terms and experience.

Self-funded plans: Allow eligible employers to fund healthcare claims directly, offering plan design flexibility and potential opportunities to manage costs. Contact Dan Gruner to discuss available options.

Group Health Insurance & Employee Benefits Contacts

Dan Gruner — Account Executive
dgruner@ryaninsure.com | 845-340-0001

Candice Pucunas — Account Representative
cpucunas@ryaninsure.com | 845-340-0001