HV Health Group — Independent Health Insurance

Who We Are

Your neighbor in the
Hudson Valley — and your
health insurance guide.

HV Health Group is an independent licensed insurance agency based in Westchester. We're not tied to one carrier — we represent three separate programs across Anthem, Cigna, PHCS, and Blue Card networks so we can find what actually fits your life and budget.

Independent — we work for you, not the insurance company
Three programs covering every budget and situation
Local expertise with national reach — all 50 states
Plain-English explanations, no jargon, no pressure

Get a Free Quote →

Who We Help

Built for people who work
for themselves.

The traditional health insurance market wasn't designed for independent workers and small businesses. We specialize in exactly that gap.

Freelancers & Consultants

Between contracts or going full-time indie. Real coverage without the marketplace confusion.

Families & Households

Kids, a partner, or aging parents. Get everyone covered under one plan built for real life.

Trades & Contractors

Construction, plumbing, electrical. Physical work means real risk — you need a plan that shows up.

Small Business Owners

Running your own shop or small team. Meaningful group coverage without the corporate price tag.

Our Programs

Three programs.
One trusted advisor.

We represent three separate programs so we can match you to what actually fits — not just what's available.

Program 1 · Anyone

Patriot Medical

Major medical coverage for individuals and families on Anthem, Cigna, and PHCS networks.

Best for

Anyone without employer coverage — freelancers, gig workers, trades, families

AnthemCignaPHCS

Plans from Ultra 1000 to Ultra 8000 HSA
Preventive care covered 100%
No lifetime maximum
Guaranteed issue limited benefit options available
Available in 49–50 states

Single member rates from

$656/mo (PHCS HSA) — $1,315/mo (Ultra 1000)

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Program 2 · Self-Employed

Most Requested

Premier Health

Association-based PPO plans on Cigna, Anthem Blue Card, and Northwell Direct networks.

Best for

Self-employed individuals and sole proprietors looking for robust PPO coverage

Cigna PPOAnthem Blue CardNorthwell Direct

Cigna PPO: Advantage 5000, Silver 3000, Elite 1000
Anthem Blue Card: HSA 6750, Blue Card 2500, Blue Card 350
Northwell Dual Network EPO (downstate NY / NJ / CT)
$7,000 term life insurance included with membership
No referrals required · All 50 states

Single member rates from

$777/mo (Northwell EPO) — $1,798/mo (Elite 1000)

Get a Quote

Program 3 · Small Business

Elite Health

Group association plans for small businesses on Cigna PPO, Anthem Blue Card, and Northwell Direct.

Best for

Small business owners offering group health benefits to employees

Cigna PPOAnthem Blue CardNorthwell Direct

Cigna PPO: Advantage 5000, Silver 3000, Elite 1000
Anthem Blue Card + Blue High / Blue Low options
Northwell Dual Network EPO (downstate NY / NJ / CT)
$7,000 term life + $5,000 union death benefit
Groups of 1+ · No referrals required

Single member rates from

$832/mo (Northwell EPO) — $1,778/mo (Elite 1000)

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Important disclosure: These are not ACA-compliant marketplace plans. They are association membership-based programs using medical underwriting — applicants may be approved, conditionally approved with exclusion riders, or declined. Guaranteed issue limited benefit options are available. I am a licensed independent insurance agent and will explain every option clearly before you enroll. All rates are illustrative — actual quotes depend on age, location, and health history.

How It Works

Covered in four simple steps.

No confusing portals. No pushy upsells. A clear conversation with a real licensed agent.

Step one

Tell me about yourself

A quick call or our online quiz — age, zip code, household, general health. About 5 minutes.

Step two

Get matched options

I find the right fit across all three programs — major medical, association plans, or a combination.

Step three

Review & apply

I walk you through the health questionnaire and the plan details. No surprises, ever.

Step four

Get covered

Once approved, coverage starts as early as the 1st of the following month.

Common Questions

The questions everyone
asks before they enroll.

Honest answers — no spin, no fine print surprises.

How can you offer rates lower than the marketplace?

These plans are accessed through an association membership structure — individual members like you join an association, and that membership unlocks group-rate pricing through carriers like Anthem and Cigna. It's the same model that gives Costco members lower prices than walking into a regular store. The actual insurance is fully underwritten by major carriers — the association is just the access vehicle. The result: self-employed people get pricing they couldn't access as a true individual buyer.

Is this a real insurance plan or some kind of workaround?

These are fully insured major medical plans underwritten by Anthem and Cigna — two of the largest health insurers in the country. They're not ACA-compliant, which is a technical regulatory distinction, not a quality one. Your claims go through the same carrier, the same network, and the same process as any other Anthem or Cigna plan.

Is this the same as an ACA marketplace plan?

No — and that's actually the point. ACA plans are guaranteed issue but can cost $1,500–$2,500/month for a healthy individual without subsidies. These plans use medical underwriting, which means healthy people pay significantly less. If you qualify for a meaningful ACA subsidy, I'll tell you that — I'd rather give you the right answer than the sale.

What if I have a pre-existing condition?

These plans use medical underwriting — meaning your health history matters. You may be approved as-is, approved with an exclusion rider on a specific condition, or in some cases declined. If that's a risk, I'll tell you upfront and we'll talk about the guaranteed-issue limited benefit options that don't ask health questions. No one should be surprised at claim time.

Can I really enroll any time of year?

Yes. No open enrollment window. If you submit your application by the 22nd of the month, your coverage starts the 1st of the following month. Leaving a job mid-year? You can be covered the following month.

Can I deduct premiums as a business expense?

Self-employed individuals can generally deduct 100% of health insurance premiums from federal income tax. This is one of the best tax advantages of being self-employed — and it effectively makes your real cost lower than the sticker price. Talk to your accountant, but in most cases the answer is yes.

Coverage built for
the way you actually
live and work.

Your neighbor in the
Hudson Valley — and your
health insurance guide.

Built for people who work
for themselves.

Three programs.
One trusted advisor.

Covered in four simple steps.

The questions everyone
asks before they enroll.

Let's find your plan.

Coverage built forthe way you actuallylive and work.

Your neighbor in theHudson Valley — and yourhealth insurance guide.

Built for people who workfor themselves.

Three programs.One trusted advisor.

Covered in four simple steps.

The questions everyoneasks before they enroll.

Let's find your plan.

Coverage built for
the way you actually
live and work.

Your neighbor in the
Hudson Valley — and your
health insurance guide.

Built for people who work
for themselves.

Three programs.
One trusted advisor.

The questions everyone
asks before they enroll.