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EmblemHealth

“Can a not-for-profit health insurer serving New York City deliver integrated care and coverage under one roof while managing costs for low-income and government-sponsored populations?”

HQNew York, NY
IndustryFintech / Insurtech
The story

EmblemHealth is a not-for-profit health insurer serving New York City and surrounding areas, formed from the GHI/HIP merger. The company has expanded beyond pure insurance administration to operate its own physician group (ACPNY) and community health centers (Neighborhood Care), positioning itself as a vertically integrated health plan. On the financial infrastructure side, EmblemHealth adopted Kyriba for treasury management to automate wire payments and reporting, and relies on ECHO Health for provider claims payment processing. Its embedded finance footprint is primarily internal treasury and provider payment operations rather than consumer-facing fintech products.

Last 12 months
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Product timeline
2006
EmblemHealth formed through the merger of Group Health Incorporated (GHI) and Health Insurance Plan of New York (HIP), creating one of the largest not-for-profit health insurers in New York.· pivot
2014
Launched AdvantageCare Physicians (ACPNY), a wholly-owned medical practice offering integrated primary and specialty care.· acquisition
2020
Expanded Neighborhood Care centers across New York City boroughs to provide in-person health plan support and community wellness services.· banking
2025
Introduced $0 Premium Essential Plan for income-qualifying adults in New York, expanding access to low-cost coverage.· pivot
The stack
0 layers disclosed in EmblemHealth’s embedded-finance stack
Accounting gap: none

EmblemHealth — frequently asked

Where is EmblemHealth headquartered?

EmblemHealth is headquartered in New York, NY.

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