[thejteam]

Not sure about NYC, but I have been looking at starting my own business in Maryland and have been researching the situation. Here is what I found:

I can purchase my own high deductible plan at about 300 per month. This would be for me, my wife, and three children. Family deductible would be 10000. We are all healthy and I have the cash in the bank to cover a 10000 emergency. If I wanted no deductible it would cost about 1200 per month.

When purchasing insurance yourself, you may need to purchase separate maternity coverage, and you may need to wait several months after starting maternity coverage to get pregnant. Otherwise prenatal care and delivery would not be covered, although the hospital stay and baby care would be.

Not sure if New York has this, but Maryland has a special small business insurance pool. It allows small businesses to buy employee coverage cheap. If there are a few people involved this could be the way to go. Going this route would require talking to an insurance broker.

Good luck. Wish you the best of luck with the new family if you go that route. I have three children and it was the best decision ever.