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Essential Plan
Health insurance for adults who don't qualify for Medicaid
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What this program is
The Essential Plan provides comprehensive health insurance benefits with $0 monthly premiums and low cost-sharing.
Who can get it
You may qualify if you're: - Ages 19 to 64 - Not eligible for Medicaid or Child Health Plus - Not eligible for employer and other coverage - Meet these income requirements based on your household size: Household size Yearly income Monthly income 1 $31,920 $2,660 2 $43,280 $3,606.67 3 $54,640 $4,553.33 4 $66,000 $5,500 5 $77,360 $6,446.67 6 $88,720 $7,393.33 7 $100,080 $8,340 8 $111,440 $9,286.67 Each additional person: +$11,360 +$946.67
Heads up
- Covers dental and vision benefits, inpatient and outpatient hospital care, prescription drugs, preventive care like routine exams and screenings, and more
- No deductible the plan starts paying for your healthcare right away
- There's no enrollment period you can enroll at any time during the year through NY State of Health
How to apply
Enroll any time of year in one of the following ways:
- Visit the NY State of Health (http://www.nystateofhealth.ny.gov/)
- Call 855-355-5777 or 311.
- Find an in-person enroller (https://nystateofhealth.ny.gov/agent/hx_brokerSearch?fromPage=INDIVIDUAL) near you.
Online
Enroll at the NY State of Health (http://www.nystateofhealth.ny.gov/).
By phone
Call 855-355-5777 or 311 to ask about applying to Essential Plan.
In person
Find an in-person enrollment assistor (https://nystateofhealth.ny.gov/agent/hx_brokerSearch?fromPage=INDIVIDUAL) near you.
What to bring
You'll need the following for each member of your household:
- Birth dates
- Social security numbers
- Employment, income, and health insurance information
Get 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.
Get 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.
Source and last updated
- Source
- NYC Benefits Platform (kvhd-5fmu) View dataset
- Agency
- Mayor's Office for Economic Opportunity
- Updated
- Source: June 27, 2026 · Synced August 18, 2026
How we verified this
Source record ID: P160en · S2R058
WayMakr shows only what this source publishes. Program details are not attached to specific facility listings unless a relationship has been verified.