New York State law requires all insurers and HMOs, including EmblemHealth, to provide their members and customers with written notices detailing proposed rate increases for the coming year. 

Starting on June 8, 2020, we are releasing notices to our Individual and Small Group plan members and customers about our rate proposals for plans renewing in 2021.


On or about August 3, 2020, we are releasing notices to our Large Group plan members and customers about our rate proposals for plans renewing in 2021.


The New York State Department of Financial Services (DFS) may approve, modify or deny these proposed adjustments. We will notify all impacted subscribers and groups of their final, approved rate at least 60 days before their renewal date.

Contact us or DFS for additional information. Employer groups and brokers should contact their account manager or call Brokers Services at 866-614-6040 (TTY:711). Our hours are 9 a.m. to 6 p.m., Monday to Friday. You may also submit your comments to DFS within 30 days of the date printed on the letter you receive from us. Please see your letter for details on how to submit your comments or questions.

To find out more about our rate filings, please click on the Individual and Small Group narratives below.

2021 HIP Individual Rate Narrative
EmblemHealth Platinum, EmblemHealth Gold, EmblemHealth Gold Value, EmblemHealth Silver, EmblemHealth Silver Value, EmblemHealth Silver Bold, EmblemHealth Bronze, EmblemHealth Basic, EmblemHealth Platinum D, EmblemHealth Gold D, EmblemHealth Gold Value D, EmblemHealth Silver D, EmblemHealth Silver Value D, EmblemHealth Silver Bold D, EmblemHealth Bronze D, EmblemHealth Catastrophic D

2021 HIP Small Group Rate Narrative
EmblemHealth Platinum Premier-P, EmblemHealth Platinum Value-P, EmblemHealth Platinum Premier-S, EmblemHealth Platinum Value-S, EmblemHealth Platinum Premier-M, EmblemHealth Platinum Value-M, EmblemHealth Gold Premier-P, EmblemHealth Gold Value-P, EmblemHealth Gold Premier-S, EmblemHealth Gold Value-S, EmblemHealth Gold Premier-M, EmblemHealth Gold Value-M, Healthy New York, EmblemHealth Silver Plus H.S.A., EmblemHealth Silver Premier-P, EmblemHealth Silver Value-P, EmblemHealth Silver Premier-S, EmblemHealth Silver Value-S, EmblemHealth Silver Premier-M, EmblemHealth Silver Value-M, EmblemHealth Bronze Plus H.S.A., EmblemHealth Bronze Premier-P, EmblemHealth Bronze Value-P, EmblemHealth Bronze Premier-S, EmblemHealth Bronze Value-S, EmblemHealth Bronze Premier-M, EmblemHealth Bronze Value-M


2021 HIP Large Group Rate Narrative
HMO Prime, HIPaccess I, HMO Preferred, HMO Plus, Vytra HMO, GHI HMO

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