Health Insurance for Individuals, Families & Businesses
Navigating health insurance on your own is confusing and costly. As an independent agent serving New York for 30+ years, we help you find the right plan — and make sure you actually understand what you're buying.
Stop Guessing. Start Comparing.
Health insurance is one of the most important financial decisions you make — yet most people choose a plan based on the monthly premium alone. That's a mistake. A low-premium plan with a $7,000 deductible can cost you far more out of pocket than a slightly higher premium with a $1,500 deductible.
At Comp Matters Inc., we break down the full cost picture — premiums, deductibles, copays, networks, out-of-pocket maximums — so you can make an informed decision. Whether you're self-employed, between jobs, or a small business looking to offer employee benefits, we're here to help.
We work with multiple carriers and have access to both marketplace (ACA) plans and off-marketplace options — giving you a complete view of what's available in New York.
What We Compare When Reviewing Plans
- Monthly premium vs. total annual cost
- Deductible — individual & family
- Copays & coinsurance percentages
- Out-of-pocket maximum limits
- In-network doctor & hospital access
- Prescription drug formulary coverage
- HSA compatibility (High Deductible Plans)
- ACA subsidy eligibility & tax credits
Individual & Family Plans
Marketplace (ACA) and off-marketplace plans for individuals and families. We help you determine subsidy eligibility, compare networks, and find the plan that balances premium cost with real-world coverage.
Small Group / Employer Plans
Offer health benefits to your employees without a full-time HR department. We design and administer small group health plans for New York businesses — from 2 to 50 employees.
Medicare Supplement
Turning 65 or already on Medicare? We help you navigate Medicare Advantage vs. Supplement (Medigap) plans, Part D prescription coverage, and make sure you're not overpaying for benefits you don't use.
HSA-Compatible Plans
High-deductible health plans paired with a Health Savings Account give you a tax-advantaged way to save for medical expenses. We help you evaluate if an HSA strategy makes sense for your situation.
Open Enrollment Support
Open enrollment runs November 1 – January 15 in New York. We guide you through plan changes, help you avoid coverage gaps, and flag Special Enrollment Periods you may qualify for outside open enrollment.
Plan Review & Switching
Already have a health plan? We'll review it at no cost. Many people are over-paying or have gaps they don't know about. If we can do better, we'll show you exactly how — and handle the switch for you.
Who We Help
Self-Employed & Freelancers
No employer coverage? We find you the best individual or family plan and help you take advantage of self-employed health insurance deductions.
Families
Balancing pediatric coverage, in-network pediatricians, and total family out-of-pocket costs. We make sure your whole family is covered right.
Small Business Owners
Want to offer benefits to attract and retain employees? We design affordable group health plans that work for both you and your team.
Pre-Medicare (55–64)
Retired early or lost employer coverage? This is often the most expensive window for health insurance — we find every savings opportunity available.
Health Insurance FAQ
Find the Right Health Plan for Your Life
Stop overpaying for coverage you don't understand. A free consultation takes 20 minutes — we'll compare your options and show you exactly what each plan costs in the real world.