Federal Rules Are Changing: Your Essential Plan and Medicaid Coverage May Be Affected
Essential Plan
As of July 1, 2026, Essential Plan coverage has ended for more than 200,000 New Yorkers with incomes between 200% and 250% of the Federal Poverty Level (which is $31,920 to $39,900 per year for an individual, $43,280 to $54,100 per year for a household of two, $54,640 to $68,300 per year for a household of three, or $66,000 to $82,500 per year for a household of four).
The NYC Health Department's enrollment counselors offer free enrollment assistance. Connect with an enrollment counselor today to explore your health insurance and care options. If you cannot afford health insurance coverage through the New York State of Health Marketplace, our enrollment counselors can help you access affordable care without insurance, through the NYC Care program and others.
In NYC, access to healthcare is a right. All New Yorkers have healthcare access options they can enroll in, no matter your immigration status or income.
If you are currently enrolled in Child Health Plus or the Essential Plan, you will need to renew your coverage every 12 months. Beginning January 1, 2027, some adults ages 19-64 will need to renew their Medicaid every six months instead of once a year.
For Qualified Health Plans, you may only enroll during the open enrollment period (beginning November 1) or during a special enrollment period if you recently had a change in your family circumstances, income, or health insurance.
Facilitated Enrollment for the Aged, Blind and Disabled
If you are 65 or older, certified blind or certified disabled, you may qualify for Medicaid. You can get free assistance to enroll in or renew your Medicaid, and apply for the Medicare and the Medicare Savings Program, which helps cover Medicare costs. Note, this assistance is separate from the NY State of Health Marketplace services.
Medicaid for Undocumented New Yorkers Age 65 and Older
Undocumented adults age 65 and older who meet income requirements are eligible for Medicaid. Medicaid offers comprehensive health coverage including routine doctors' visits, prescriptions, mental health services, and hospital stays.
Call 347-396-4705 to speak to an enrollment counselor to see if you qualify.
Health Insurance Options for DACA Recipients
Deferred Action for Childhood Arrivals (DACA) recipients who meet income requirements are eligible for Medicaid.
Due to changed federal policy, people with DACA are no longer eligible for Qualified Health Plans or the Essential Plan. This applies to these plans offered through the NY State of Health.
Health Insurance for Children in the Early Intervention Program
If you have a child in the New York City Early Intervention Program, your child may qualify for Medicaid and other benefits, even if you already have health coverage.
Healthcare Access
NYC Care is a program that guarantees low- and no-cost services for residents who do not qualify for or cannot afford health insurance.
Every New Yorker, regardless of their immigration status or ability to pay has the right to quality care. For more information, visit Immigrant Healthcare.
Benefits of Health Insurance
There is nothing more important than your health and the health of your family. Some benefits of health coverage include:
Health insurance can allow you to access essential healthcare services and help protect you from unexpected, high medical costs.
Insurance helps you stay healthy before you get sick or catch illnesses before they get worse.
Insurance plans cover routine preventive services, such as physical exams and vaccines.