Health Insurance
OneDigital is the Chamber's partner in health insurance and offers plans for sole proprietors or businesses with 1 or more employees.
OneDigital provides several resources to help educate businesses about health insurance and the best options for an individual business
Please call Dylan if you have any specific questions about plans or rates.
| Dylan Mather-Richardson
Associate Account Manager, OneDigital (518) 960-6220 ext. 26220 | Troy, NY |
Open Enrollment period is November 1, 2024 - December 15, 2024 for insurance period beginning January 1, 2025
Please note: This is the only time of year that you can sign up for health insurance or change plans unless you have a qualifying event (new baby, marriage, etc.)
If you are already a current health insurance client through the Chamber and OneDigital: You will be receiving a physical mailing that outlines your current plan and its current rate, with new rates if applicable. Even if you don’t have any changes to make, you will have to return the pieces indicated by mail or you can email Dylan Mather-Richardson, our representative, at dmatherrichardson@onedigital.com or by calling (518) 960-6220 ext. 26220.
Beacon Insurance Agency Group, Inc. is an independent insurance agency, with access to a vast pool of insurance companies to help you find insurance solutions tailored to your individual needs.
Amsterdam: (518) 842-7000
CDL Associates Insurance Agency offers a variety of insurance coverages to help you meet your business, personal, and employee benefit needs.
Northville, Johnstown, Gloversville: (518) 752-5061
CDPHP partners with employers to improve the health of their workforce. Fighting for affordability, 88 cents of every premium dollar is used to pay for your care with CDPHP.
Capital District: (518) 641-3000
Gallagher is one of the world’s largest insurance brokerage, risk management and consulting firms, and our expert advisors are an integral part of your local business community.
Latham: (518) 795-5784
MVP has a range of options for small and large groups, tailored to your business and budget, plus ancillary products like Dental, Vision, Spending accounts, and more.
Capital District: 1 (888) 687-6277
NFP is a leading insurance broker and consultant providing specialized property and casualty, benefits, wealth management, and retirement planning.
Rose & Kiernan, Albany: (518) 244-4344
OB1 Insurance focuses on helping people like you find Medicare plans that fit your situation. We also offer personal insurance for you and your family, as well as business insurance to protect your local business.
Mayfield: (518) 661-6300
Summary of Benefits and Coverage (SBC) – Affordable Care Act Requirement
As part of the Affordable Care Act (ACA), employers are required to provide a Summary of Benefits and Coverage (SBC) to all employees who are eligible for group health insurance. The SBC uses a standardized federal template designed by the Department of Health and Human Services (HHS) to make it easier for individuals to understand their coverage and compare plan options.
What Employers Need to Know
- The SBC must be distributed to all eligible employees, not just those who are currently enrolled.
- It must be provided:
- When an employee first becomes eligible,
- During annual open enrollment,
- Within seven business days of a request, and
- Within 60 days if there are material changes to the plan.
- Employers should review the SBC carefully before distribution to ensure it matches the benefits package offered.
Why It Matters
Failure to provide the SBC can result in significant penalties. As of 2025, fines may be up to $1,700 per employee per failure, with additional penalties possible under federal and state law.
What Employees Can Expect
Eligible employees will receive an SBC along with other important details about their health insurance, such as employee contribution levels and enrollment instructions. This ensures that every employee has the information they need to make an informed decision about their health coverage.
For more information about SBC requirements, visit the Centers for Medicare & Medicaid Services (CMS) website.