What benefits actually cost, what the alternatives to a group plan are, and which doctors and dentists your employees could pick in your town. Every number is a real price from a real practice.
Employer share averages about $657 a month per employee for single coverage, before a $2,631 deductible. Here's what that buys, and a $135/month alternative on Long Island.
A doctor for 5 employees on Long Island is $675 a month, a dentist $1,625 a year. No group plan, no minimum participation, cancel any month.
Ten employees, a Long Island doctor each: $1,350 a month. Dental for all ten: $3,250 a year. Compare that to about $6,570 a month in group premiums.
Direct primary care memberships for your employees from $135/month all in. Six practices, unlimited visits, same-day appointments, no deductible.
Give your employees a Long Island dentist for $325 to $650 a year each. Cleanings, exams and X-rays included, no waiting period, no annual maximum.
A doctor and a dentist for each employee for under $200 a month. Here's exactly what fits under that number on Long Island and in NYC.
Five real alternatives to a group health plan for NY small businesses, with what each costs. Direct primary care memberships start at $135 a month per employee.
Yes. You can give employees a doctor and dentist without buying group insurance: $135/month for a DPC membership, $325/year for dental, no carrier, no broker.
Group plans exclude contractors and most part-timers. A membership doesn't. Give your 1099s and part-time crew a doctor for $135/month, no eligibility rules.
Not insurance. A direct primary care membership: $79/month in Manhattan, $135/month on Long Island, unlimited visits. Here's how it compares to every other option.
New York small-group renewals rose again for 2026. Before you sign, here's the math on dropping to a high-deductible plan plus a $135/month doctor membership.
Side by side: cost, deductibles, wait times, what's covered. DPC is $135/month per employee on Long Island; group insurance is about $657 in employer share.
Restaurants rarely clear the participation minimums for a group plan, and the staff who'd use it most are part-time. Give your crew a local doctor for $135/month and a dentist for $325/year, no group plan, no minimum, cancel any month.
A crew of six to twenty, half of them 1099, is exactly who group insurance was never built for. Give your crew a local doctor for $135/month and a dentist for $325/year, no group plan, no minimum, cancel any month.
Seasonal crews, Spanish-speaking staff, and a nine-month year make a group plan almost impossible to run. Give your crew a local doctor for $135/month and a dentist for $325/year, no group plan, no minimum, cancel any month.
Booth renters and part-time stylists can't go on a group plan, and most salons are too small for one anyway. Give your crew a local doctor for $135/month and a dentist for $325/year, no group plan, no minimum, cancel any month.
Four to twelve techs, a front-desk person, and a renewal quote that went up again. Give your crew a local doctor for $135/month and a dentist for $325/year, no group plan, no minimum, cancel any month.
Mostly part-time staff, thin margins, and a group plan that would cost more than the lease. Give your crew a local doctor for $135/month and a dentist for $325/year, no group plan, no minimum, cancel any month.
Give your Huntington employees a local doctor for $135/month and a dentist from $325/year. Named practices, real prices, no group plan.
Give your Babylon employees a local doctor for $135/month and a dentist from $325/year. Named practices, real prices, no group plan.
Give your Smithtown employees a local doctor for $135/month and a dentist from $325/year. Named practices, real prices, no group plan.
Give your Port Washington employees a local doctor for $135/month and a dentist from $325/year. Named practices, real prices, no group plan.
Give your Glen Cove employees a local doctor for $135/month and a dentist from $325/year. Named practices, real prices, no group plan.
Give your Bay Shore employees a local doctor for $135/month and a dentist from $325/year. Named practices, real prices, no group plan.
Give your Massapequa employees a local doctor for $135/month and a dentist from $325/year. Named practices, real prices, no group plan.