Top 10 Health Insurance Companies for Construction
Keep your workforce covered with the best health insurance options for New York’s construction industry.
These top providers offer affordable, flexible plans tailored to high-risk job sites and small business needs.
FEATURED HEALTH INSURANCE COMPANIES FOR CONSTRUCTION
Empire BlueCross BlueShield
Trusted for broad network coverage across NY with small-group plans offering preventive care, specialty services, and strong telehealth options—ideal for construction employees needing flexibility.
Location: Statewide
Website: empireblue.com
Contact: Request a quote via site
Social: – en.wikipedia.org+12nysmallhealth.com+12nyhealthinsurer.com+12
UnitedHealthcare
Offers comprehensive small-group plans (HMO, PPO) with wellness perks, telehealth, and access across New York and nationwide—great for firms with traveling tradespeople.
Location: Statewide
Website: uhc.com
Contact: Use “Find a Plan” for NY small business groups
Social: – nysmallhealth.com
Aetna
Provides flexible EPO/PPO and HSA-compatible high-deductible plans, with metro-specific networks to manage costs while ensuring access to quality care.
Location: Statewide
Website: aetna.com
Contact: Small-group NY plans via site
Social: – simplyinsured.com+4nysmallhealth.com+4nysmallhealth.com+4
Cigna
Features a variety of plan options and strong wellness programs, making it a solid choice for firms focusing on employee health and retention.
Location: Statewide
Website: cigna.com
Contact: Small business team
Social: – reddit.com+12nysmallhealth.com+12peakinsuranceadvisors.com+12
Oxford Health Plans (UnitedHealthcare affiliate)
Competes on pricing while offering strong local networks through “Freedom” and “Liberty” options—good value for NYC and Long Island firms.
Location: Downstate NY
Website: oxfordhealth.com
Contact: Small-group quotes via site
Social: – bestbusinessnyc.com+9nysmallhealth.com+9peakinsuranceadvisors.com+9
EmblemHealth
This nonprofit covers commercial and gov’t-sponsored plans, emphasizing community wellness programs and NYC-focused provider access.
Location: Statewide, HQ in NYC
Website: emblemhealth.com
Contact: Employer group inquiries via site
Social: – inven.ai+3insights.cerco.ai+3nyhealthinsurer.com+3
Healthfirst
NYC-focused insurer offering affordable small-group EPO plans, dental add-ons, and strong NYC Health + Hospitals access.
Location: NYC Metro
Website: healthfirst.org
Contact: Group plan marketplace
Social: – en.wikipedia.org+7nyhealthinsurer.com+7nysmallhealth.com+7
Fidelis Care (Centene)
Offers group plans along with Medicaid and Medicare options—ideal for firms with diverse employee needs, from part-time workers to families.
Location: Statewide
Website: fideliscare.org
Contact: Employer group section
Social: – nyhealthinsurer.com
MVP Health Care
Serves upstate and downstate NY with plans ranging from HMO to HSA-compatible PPOs, no minimum enrollment—flexible for small construction teams.
Location: Most NY counties
Website: mvphealthcare.com
Contact: Employer small business team
Social: – apollo-insurance.com+4nysmallhealth.com+4en.wikipedia.org+4
CDPHP
Highly rated in the Capital Region; offers EPO/PPO plans with HSAs/HRA options and no referral requirements—excellent for non-urban construction offices.
Location: Eastern/Central NY
Website: cdphp.com
Contact: Group sales via site
Social: – nysmallhealth.com
