1. How it Works
The Essential Plan provides comprehensive health insurance benefits with $0 monthly premiums and low cost sharing.
- Covers comprehensive benefits, including dental and vision, inpatient and outpatient hospital care, prescription drugs, and more.
- Covers free preventive care like routine exams and screenings.
- No deductible – the plan starts paying for your health care right away.
- Has continuous open enrollment, meaning you can enroll at any time during the year through NY State of Health.
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2. Determine your eligibility
You may be eligible if you’re:
- An adult who is 19 – 64 years of age.
- Not eligible for Medicaid or Child Health Plus
- Not eligible for employer and other coverage
- A New York State resident.
- A U.S. citizen or meet immigration status requirements.
- Meet these income eligibility requirements based on your household size:
| Household size | Yearly income | Monthly income | Weekly income |
| 1 | $37,650 | $3,138 | $724 |
| 2 | $51,100 | $4,259 | $983 |
| 3 | $64,550 | $5,380 | $1,242 |
| 4 | $78,000 | $6,500 | $1,500 |
| 5 | $91,450 | $7,621 | $1,759 |
| 6 | $104,900 | $8,742 | $2,017 |
| 7 | $118,350 | $9,863 | $2,276 |
| 8 | $131,800 | $10,984 | $2,535 |
| Each additional person, add: | $13,450 | $1,121 | $259 |
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3. What you need to include
You will need this information for each member of your family:
- Birth dates
- Social security numbers (for immigrants, numbers if you have them)
- Employment, income, and health insurance information
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4. How to apply
Apply online
You can enroll in the Essential Plan any time of year. Apply online at the NY State of Health .
Apply by phone
Call 855-355-5777 or 311 to ask about applying to Essential Plan.
Apply in person
Find an in-person enroller near you to apply to Essential Plan.
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