About Essential Plan ($0 Health Insurance)
New York's unique $0 or $20/month health plan for adults who earn too much for Medicaid but not enough for marketplace plans. Covers doctor visits, prescriptions, hospital care, mental health, and preventive services with no deductible.
How to Apply in New York
- Apply through NY State of Health at nystateofhealth.ny.gov
- Or call 1-855-355-5777 for help enrolling
- Available to adults 19-64 who don't qualify for Medicaid
- Plan 1 ($0/month) for income up to 150% FPL; Plan 2 ($20/month) up to 200% FPL
- Open enrollment or qualify through life changes any time
Documents You May Need
- Photo ID
- Proof of income
- Proof of NY residency
- Social Security number
Contact & Official Links
Phone: 1-855-355-5777
Official website: nystateofhealth.ny.gov
See Everything You Qualify For in New York
Essential Plan ($0 Health Insurance) is one of many programs you may be eligible for. Beneify screens your household against the full program list — free, private, about 3 minutes.
Start Free Screening ›Frequently Asked Questions
How much is Essential Plan ($0 Health Insurance) worth?
Essential Plan ($0 Health Insurance): Worth ~$400/month in coverage. Eligible households may receive a benefit worth up to ~$400 per month.
Essential Plan ($0 Health Insurance): Worth ~$400/month in coverage. Eligible households may receive a benefit worth up to ~$400 per month.
How do I apply for Essential Plan ($0 Health Insurance) in New York?
To apply: Apply through NY State of Health at nystateofhealth.ny.gov. Or call 1-855-355-5777 for help enrolling. Available to adults 19-64 who don't qualify for Medicaid. You can also call 1-855-355-5777. Official website: https://nystateofhealth.ny.gov
To apply: Apply through NY State of Health at nystateofhealth.ny.gov. Or call 1-855-355-5777 for help enrolling. Available to adults 19-64 who don't qualify for Medicaid. You can also call 1-855-355-5777. Official website: https://nystateofhealth.ny.gov
Who qualifies for Essential Plan ($0 Health Insurance)?
New York's unique $0 or $20/month health plan for adults who earn too much for Medicaid but not enough for marketplace plans. Covers doctor visits, prescriptions, hospital care, mental health, and preventive services with no deductible. Final eligibility is determined by the program when you apply. Beneify's free screener can estimate your eligibility in about 3 minutes.
New York's unique $0 or $20/month health plan for adults who earn too much for Medicaid but not enough for marketplace plans. Covers doctor visits, prescriptions, hospital care, mental health, and preventive services with no deductible. Final eligibility is determined by the program when you apply. Beneify's free screener can estimate your eligibility in about 3 minutes.