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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

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Not available in New York?

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: Why is this insurance not available in New York?

A: I do not know what insurance you are referring to specifically, but suspect that you are asking about health insurance. Most specific insurance products (known as "policy forms") that are commonly available in other states are not available in New York. New York state is generally regarded as having the most restrictive and conservative insurance regulations in the U.S. Some may consider this to be a blessing designed to protect NY residents, but it reduces the choices available and increases the average price of all types of insurance. Some insurance companies make one policy form for distribution throughout the rest of the states and then design a unique policy form to meet New York regulations. The restrictions might be easing a bit with New York health insurance. With an increasing number of New York residents unable to afford the cost of fully-loaded major medical insurance, a growing number of limited benefit health insurance plans (sometimes called "mini-med policies") that are available as low cost options to New York residents. The recently introduced "Value Health" and "Value Hospitalization" are extremely popular simply because of the long term perception of lack of affordable choices. Other options are available at the New York Insurance Department Web site.


More resources:

Value Health in New York Value Hospital in New York New York Insurance Department