himiss – One should not be based on the other. There are many health clinics in NY that charge based on Income. Some even cater to Frum people. Depending on your income the care could be free.
Also, if you want to go to your own provider that you have been using all the years most local neighborhood Bikur Cholims will be able to give you money towards that. G-luck.
himiss -“Which health insurances cater to the Frum community?”
No such thing; but a lot Frum people are on Medicaid which nowadays let you/force you to be in a HMO! They give you a few choices. The Frum people choose the one that their health care provider accepts.