Group plan or individual? Individual rates for HMO plans in New York are some of the most hideous in the country due to guaranteed coverage underwriting rules: http://www.ins.state.ny.us/hmorates/html/hmonewyo.htm
When you get insurance, make sure to read the fine print. I thought I was very well covered and it turns out not so much. Part of the fine print was a lifetime coverage amount of $250,000 on any particular illness, and if something serious happens to you, you can go through that very quickly. I spent half of May, all of June and part of July in the hospital this year and spent nearly $400,000...so the bills can pile on very quickly. GET CATASTROPHIC COVERAGE.