Don't know of any particularly established programs in NYC, but if you look around, you should probably find plenty of people interested in a medical student to help out on research for a year that would be able to find funding for you.
I took a year off between 2nd and 3rd year of medical school. It's certainly not something that I would recommend for everyone. So, if you're not interested in research, you'll be miserable.
Personally, I enjoyed it greatly. I found it a very useful experience from an education perspective. It helped reinforce my interest in Orthopaedic Surgery. Perhaps the most important, however, is that it transformed my application completely, and made me a much differenct candidate for residency.
I took the year after the recommendation of an Orthopaedic Surgeon who was the chair of the selection committee at a prominent program. It was one of the best decisions I've ever made, and I have yet to even question whether it was worth waiting an extra year. Keep in mind, though, that coming back to medical school after a year off (even though it's clinical) can be a bit of a rude awakening, and you'll now be in a class with students you barely know.