The Patient Protection and Affordable Care Act (ACA) was signed into law on March 23, 2010. This law expands the Medicaid program and creates a marketplace where people can shop for low- or no-cost health insurance. Financial help is available for individuals and families even if they have income, own a house or a car, or have a bank account.
Get Covered! Starting on November 1, 2015 you and your family can apply for low or no cost, quality health insurance through the New York State of Health Marketplace for coverage that begins in 2016. (You can apply until January 31, 2016.)
If you already have health insurance through the New York State of Health Marketplace, you:
- May qualify for the Essential Plan (NEW!)
- May qualify for financial help, if your income or the cost of your current plan has changed
- Will be automatically enrolled in the same plan, unless you choose a new plan
Medicaid, Child Health Plus and the Essential Plan are available all year round. Private health insurance is available during open enrollment and if you experience a qualifying life event such as relocating to New York State, marriage, birth or adoption of a child, certain changes in your income or losing your health insurance. Learn more about Special Enrollment Periods.
Certified Application Counselors
The New York City Health Department’s Certified Application Counselors (CAC) can help you learn about and apply for health insurance and other services, such as the Supplemental Nutrition Assistance Program (SNAP, formerly called Food Stamps). Find a CAC for help
- Enrolling in Medicaid, Child Health Plus, the Essential Plan or a private plan through the Marketplace
- Understanding your insurance options and selecting a plan
- Finding out what documents you need to apply
- Filling out the online application
- Applying for or renewing your health insurance
Get in-person assistance in your language. Free interpretation services are also available.
Find a Certified Application Counselor near you and learn what you need to apply for health insurance. Visit Where to Apply for Health Insurance or text CoveredNYC to 877877. For help in Spanish, text SeguroNYC to 877877.
Medicaid is a health insurance program for low income individuals, families and children. You may be eligible for Medicaid if you have high medical bills, if you meet the financial requirements or if you receive Supplemental Security Income (SSI).
Children and non-elderly adults (under age 65) can apply for coverage year-round through NY State of Health Marketplace. Apply online at New York State of Health or see a Certified Application Counselor to get in-person assistance in your language. Visit Where to Apply for Health Insurance or call 311 for more information.
People 65 years and older and people who need Medicaid for a disability can apply for public health insurance year-round through NYC Human Resources Administration (HRA). Call the HRA Helpline at 888-692-6116 or visit a Medical Assistance Program Office.
Child Health Plus (CHP)
Your child may be eligible for CHP depending on your family income. CHP is a health insurance program for children under the age of 19. There are no immigration requirements for CHP. Enrollment is available year-round through the NY State of Health Marketplace. Apply online at New York State of Health or see a Certified Application Counselor to get in-person assistance in your language. Visit Where to Apply for Health Insurance or call 311 for more information.
The Essential Plan
The Essential Plan (EP) is a new health insurance program for low income individuals that are not eligible for Medicaid or Child Health Plus. You may be eligible for the EP for as low as $0 or $20 per month depending on your family income. Enrollment is available year-round through the NY State of Health Marketplace. Apply online at New York State of Health or see a Certified Application Counselor to get in-person assistance in your language. Visit Where to Apply for Health Insurance or call 311 for more information.
New York City’s Early Intervention Program (EIP)
Do you have a child in New York City’s Early Intervention Program (EIP)? Your child may qualify for health insurance and other benefits even if you already have health coverage. For information about health benefits available to children in EIP, visit Early Intervention Health Insurance and Benefits.
Get Covered! (PDF)
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Call 311 or visit the New York State of Health: Official Health Plan Marketplace for more information about health insurance options.
Get the facts about health insurance and coverage options under the ACA.
Learn about How to Use Your Health Plan Coverage, how to connect to care and find services that meet your needs.