New York State Health Insurance Program (NYSHIP)

NYSHIP Health Plan Choices

2024 NYSHIP Plan Option Guide
Are you an active NYSHIP enrollee who is thinking about changing your health plan in 2024? Or a new employee interested in learning more about the annual Option Transfer Period? Either way, this guide has you covered!

Choices 2024 Booklet
This booklet explains the options available to you under the NYSHIP for your health insurance and other elections.

For NYSCOPBA and PBANYS-represented Employees Only - Supplement to Choices 2024
This flyer is a companion document to the Health Insurances Choices for 2024 booklet.

Planning for Option Transfer 2024 booklet
This booklet explains what changes you can make during the Option Transfer Period. Additionally, it explains the NYS Opt-out Program for eligible employees.

Summary/Comparison of NYSHIP Benefits and Coverage (SBC) 
The Summary of Benefits and Coverage (SBC) is a simple and standardized comparison document required by the Patient Protection and Affordable Care Act (PPACA). On this website, you will need to click on your Bargaining Unit and then click on the name of the healthcare plan to view the benefit summary.  These summaries are printable and helpful when comparing the different plans available in our area.

NYS Health Insurance Transaction Forms - To enroll or make a plan change, complete the NYS Health Insurance Transaction Form PS 404 and the required proofs. Employees who are eligible for Opt-out will also need to complete the Attestation Form PS 409.

NYSHIP Plan Rates
2024 Health Insurance Premium Biweekly Rates
NYSHIP Rates for Direct Pay Employees*

*NYSHIP Rates for employees on a leave without pay, COBRA employees & Young Adult Option enrollees

NYSHIP online
Health Insurance General Information & Health Insurance Plan Contact Information
NYSHIP Opt-out Program

Eligible employees* who can demonstrate and attest to having other employer-sponsored group health insurance may elect to opt-out of NYSHIP's Empire Plan or Health Maintenance Organizations. Employees who elect to opt-out of NYSHIP will receive $1,000 for waiving individual coverage or $3,000 for waiving family coverage. This amount will be credited to bi-weekly paychecks as taxable income over the plan year. Unless newly eligible to enroll, employees must be enrolled in NYSHIP Individual or Family coverage prior to April 1st of the previous plan year to be eligible to opt-out of that coverage. In order to participate, employees must have other employer-sponsored group health insurance. 

*UUP-represented employees are not eligible for the opt-out program.

There are two times a year when employees may elect to opt-out of coverage:

  1. as newly eligible for health benefits
  2. for current NYSHIP enrollees - during the option transfer period.

Enrolling in the opt-out program requires a NYS Health Insurance Transaction Form (PS404), the Opt-out Attestation form (PS409), a copy of other employer-sponsored health insurance card and any required proofs (social security card, birth certificate, marriage certificate, joint financial obligation document, etc). See HR forms page. 

Only employees who experience a qualifying event will be allowed to withdraw their opt-out election and enroll in a health insurance plan mid-year.

Domestic Partner 

Domestic Partner Information and Forms

Affordable Care Act Postings