Union Plans
Union health coverage in New York follows different rules from marketplace plans: its own network, its own administrator, and a different question to ask at the front desk.
A large share of New Yorkers are covered through a union benefit fund rather than through an insurer they picked. The mechanics differ enough that standard coverage advice misleads: there is usually no plan to choose, no premium to compare, and no open enrollment season to watch — but there is a network, and it decides everything.
These guides cover what to ask, what changes when a job ends, and where the authoritative answers actually live.