Essential Plan (low-cost health insurance)
Free or very low-cost health insurance with no deductible for New Yorkers whose income is too high for Medicaid.
Apply on the official site ↗Goes to NYStateOfHealth.ny.gov. Applying is free.
Who generally qualifies
New Yorkers 19 to 64 with income above Medicaid limits but under the Essential Plan limit, who don't have affordable job-based coverage.
Exact income limits and rules are set by NY State of Health and can change. Check the official site for current details.
How to apply
- Apply through NY State of Health online, by phone or with a navigator.
- You can enroll any time of year if you qualify.
What to have ready
- Income information
- Social Security numbers or immigration documents
Common questions
- Does it cost anything to apply?
- No. Applying through the official site is free. Be wary of anyone who charges a fee to apply for you.
- Do I have to pay it back?
- No. It's a free or low-cost service, not a loan.
- Who decides if I qualify?
- NY State of Health makes the final decision. This page explains the program in general terms only.
- Where can I find current income limits and amounts?
- Income limits, benefit amounts and deadlines change, so check NYStateOfHealth.ny.gov for the latest details.
Added October 21, 2026. BenefitSearch is not affiliated with NY State of Health.