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Qualified Health Plans
Private health insurance plans
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What this program is
Enrollment for 2026 Qualified Health Plans are open now until January 31, 2026 through NY State of Health
Who can get it
You can enroll in a Qualified Health Plan if you:
- Live in New York State
- Are a U.S. citizen or legally living in the U.S.
- Do not qualify for Medicaid, the Essential Plan, or Child Health Plus
Heads up
- Qualified Health Plans are private health insurance available through the
- NY State of Health (https://info.nystateofhealth.ny.gov/)
- marketplace. You'll pay a monthly fee and some additional costs copayments, deductibles, and coinsurance based on your plan. All plans cover:
- Preventive care at no extra cost (like routine doctor visits and screenings)
- Pre-existing conditions at no extra cost
- Essential health benefits
- How to get affordable healthcare:
- Enroll by December 15, 2025 to get coverage starting January 1, 2026.
- If you already have a plan, you can renew or change it starting November 16, 2025.
- If you have limited income or children, you might qualify for free or low-cost public health insurance plans like Medicaid (https://access.nyc.gov/programs/medicaid/), Child Health Plus (https://access.nyc.gov/programs/child-health-plus/), and the Essential Plan (https://access.nyc.gov/programs/essential-plan/)enroll anytime during the year.
- You can also buy private insurance directly from an insurance company but you won't be eligible for financial help.
How to apply
Online
By phone
Call NY State of Health at
855-355-5777
or TTY:
800-662-1220
.
In person
Get help enrolling through a
health insurance assistor (https://nystateofhealth.ny.gov/agent/hx_brokerSearch?fromPage=INDIVIDUAL)
.
Get help
- Learn more about your health insurance options through HRA's Office of Citywide Health Insurance Access (https://www1.nyc.gov/site/ochia/coverage-care/insurance-options.page) . - GetCoveredNYC (https://www1.nyc.gov/nyc-resources/get-covered.page) helps New Yorkers enroll in health insurance. Dedicated specialists can assist you in your language for free. - Complete a Health Insurance Enrollment Assistance Inquiry Form (https://nycdohmh.surveymonkey.com/r/7BB62M3) to receive a call from an enrollment counselor. Your information will be kept private. - Call 311 for general questions on health insurance and to find an in-person assistor.
Learn more about health insurance options Learn more about your options through HRA's Office of Citywide Health Insurance Access (https://www1.nyc.gov/site/ochia/coverage-care/insurance-options.page) . Request enrollment help GetCoveredNYC (https://www1.nyc.gov/nyc-resources/get-covered.page) helps New Yorkers enroll in health insurance. Dedicated specialists can assist you in your language for free. Request a counselor call Complete a Health Insurance Enrollment Assistance Inquiry Form (https://nycdohmh.surveymonkey.com/r/7BB62M3) to receive a call from an enrollment counselor. Your information will be kept private.
Call 311 For general questions on health insurance and to find an in-person assistor.
Source and last updated
- Source
- NYC Benefits Platform (kvhd-5fmu) View dataset
- Agency
- NY State of Health
- Updated
- Source: November 22, 2025 · Synced August 18, 2026
How we verified this
Source record ID: P011en · S2R011
WayMakr shows only what this source publishes. Program details are not attached to specific facility listings unless a relationship has been verified.