Human Resources Administration-Office of Citywide Health Insurance Access311Search all websites

Young Adults

Young Adults

Three Great Reasons to Have Health Insurance

  1. Protect your wallet from the "what ifs" in life – anyone can get sick and have an accident, and health care is expensive! You could qualify for insurance for less than $1 a day.
  2. Stay healthy and on your game! Wellness care like check-ups and other screenings is free thanks to the Affordable Care Act.
  3. Keep more of your money where it belongs – in your pocket.  Health insurance can protect you from receiving large medical bills from a hospital or other provider. 

Your Health Insurance Options

If you are coming off your parent’s health insurance and need your own, there are health insurance options available for you.

  • Medicaid: Free or very low cost insurance for New Yorkers with low income.
    • Foster Care: If you were in foster care, you may be eligible for Medicaid until age 26, no matter how much income you earn. Call the Human Resources Administration (HRA) Helpline at 888-692-6116 for more information or visit a Medicaid Office to apply.
    • DACAmented: If you have Deferred Action for Childhood Arrivals status and low income, you can qualify for Medicaid!
    • Pregnant New Yorkers: If you are pregnant and undocumented, you can qualify for Medicaid as long as you meet other requirements.
  • Essential Plan: Free or very low cost insurance for adults with low income who don't qualify for Medicaid.
  • Child Health Plus: Affordable health insurance for New Yorkers under 19, regardless of income or immigration status.
  • Private/Qualified Health Plans: Insurance plans on the NY State of Health Marketplace (financial help is available) and directly from insurance companies. You can get a cheaper, "catastrophic" plan with limited benefits if you are under 30.
  • Family Planning Benefit Program: Free and confidential family planning services for adults and teens who qualify.

More Options

  • You can stay on a parent's employer health insurance plan until age 26, even if you:
    • Are married
    • Are in school or not
    • Living or not living with your parents
    • Are no longer claimed as a dependent for taxes
    • Have or adopt a child
    • have access to employer coverage
  • Some people can stay on a parent's plan until age 30. Learn more about the "Age 29" law.
  • Contact your college or university to see if they offer health insurance.
  • If you can't get insurance, learn about your options for low-cost health care.

Get Help to Apply

You can get free, in-person help to understand your options and apply from someone in your community.

Find In-Person Help

Helpful Links

Young Invincibles: Advocacy group focused on issues like health care and jobs for millennials
NY State of Health Marketplace for Individuals/Families
ACCESS NYC: Website that helps you find out which City, State and Federal health and human service benefit programs might be right for you.