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A health plan for New Yorkers who don’t qualify for Medicaid. The Essential Plan offers the same essential health benefits you get with other health plans but with no monthly premiums.


Who can buy it?

Lower-income individuals who don’t qualify for Medicaid or Child Health Plus.

Household size Most you can make
1 $20,783
2 $28,208
3 $35,632
4 $43,056


How much does it cost?

There are no monthly premiums with the Essential Plan. And now, dental and vision benefits are included at no additional cost.


How else does it save me money?

The Essential Plan has no deductible, so it starts paying for your health care right away.


What does the Essential Plan cover?

The same services covered by other plans:

  • Doctor visits, including specialists
  • Tests ordered by your doctor
  • Prescription drugs
  • Inpatient and outpatient care at a hospital


How do I enroll?

Call us directly at (866) 247-5678, and we will help you apply. Or, you can enroll by visiting the NY State of Health Marketplace.


When can I enroll?

ANYTIME! That's right—you don't have to wait until Open Enrollment to sign up. You can find out if you qualify today.


Plan Resources

With a year long rolling enrollment period, you don't have to wait. You can sign up for an Essential Plan at any time of the year.


Subscriber Agreement

Subscriber Agreement

Click below for information on how your Essential Plan works. Find out how to get care when you need it, what services are covered, or who to talk to when you have a question, so you can get the most out of your coverage.

Essential Plan 1

2023 Subscriber Agreement

Essential Plan 2

2023 Subscriber Agreement

Essential Plan 3

2023 Subscriber Agreement

Essential Plan 4

2023 Subscriber Agreement

Essential Plan 200-250

2024 Subscriber Agreement