Navigating health insurance in New York can feel overwhelming—especially when your eligibility and costs depend on your income level. Whether you’re looking for Medicaid, Child Health Plus, or the Essential Plan, understanding where you stand in the 2025 income brackets can help you access affordable, high-quality healthcare.
In this article, we’ll break down the latest income thresholds and match them to available health coverage options in New York State.
What’s Inside
- 2025 Federal Poverty Guidelines: Know Where You Stand
- Medicaid: No-Cost Coverage for Low-Income Residents
- Child Health Plus (CHP): Affordable Care for Children
- The Essential Plan: Affordable Insurance for Adults
- Health Insurance Help at SecureSafer
- Final Thoughts
- Call Now for a Free Consultation
2025 Federal Poverty Guidelines: Know Where You Stand
The eligibility for health programs in NY is tied to the Federal Poverty Level (FPL). Based on the latest 2025 income levels from the NY State of Health, here’s a breakdown by family size:
| Family Size | 138% FPL (Medicaid) | 154% FPL (Child Health Plus) | 250% FPL (Essential Plan Premium Tier) |
| 1 | $21,597 | $24,101 | $39,125 |
| 2 | $29,187 | $32,571 | $52,875 |
| 3 | $36,777 | $41,041 | $66,625 |
| 4 | $44,367 | $49,511 | $80,375 |
Source: 2025 NY Income Levels for Medicaid, CHP & Essential Plan
Medicaid: No-Cost Coverage for Low-Income Residents
If your household income is at or below 138% of the FPL, you may qualify for Medicaid, which covers:
- Primary and specialist doctor visits
- Hospital care
- Mental health services
- Prescription medications
✔ Example: A single person earning less than $21,597/year or a family of four earning below $44,367/year is eligible.
🔗 Apply for Medicaid with help from SecureSafer
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Child Health Plus (CHP): Affordable Care for Children
Children under 19 may be eligible for Child Health Plus, even if their parents don’t qualify for Medicaid.
| Income Bracket | Monthly Premium |
| < 222% FPL | $0 (Free) |
| 222–250% FPL | $15 |
| 250–300% FPL | $30 |
| 300–350% FPL | $45 |
| 350–400% FPL | $60 |
✔ Example: A child in a family of three earning $59,430/year pays just $15/month for comprehensive coverage.
🔗 Learn more about Child Health Plus eligibility and support
The Essential Plan: Affordable Insurance for Adults
If you’re between 138% and 250% of the FPL, but not eligible for Medicaid, the Essential Plan is a powerful alternative. Monthly premiums range from $0 to $20, depending on income level.
- No deductible
- Low copays
- Prescription drug coverage
- Dental and vision (in many cases)
✔ Example: A family of two earning $33,840–$52,875/year qualifies for this plan.
🔗 Explore the Essential Plan through NY State of Health
Health Insurance Help at SecureSafer
Understanding eligibility is just one part of the process. At SecureSafer, our licensed consultants help you:
- Check your eligibility
- Enroll in Medicaid, CHP, or Essential Plan
- Handle renewals, documentation, and appeals
🔗 Book a free consultation with our Health Insurance Experts
Final Thoughts
Your income doesn’t have to limit your access to quality healthcare. By understanding the 2025 income thresholds for health insurance in New York, you can unlock benefits for yourself and your family. Whether you’re looking to apply for Medicaid, Child Health Plus, or the Essential Plan, SecureSafer is here to simplify every step of the journey.
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Call Now for a Free Consultation
If you’re unsure whether you qualify or how to get started, we’re here to help. We’ll walk you through the process, explain your options, and make sure you get the best possible coverage under the Essential Plan.
📞 Call us today at 646-444-2020
🌐 Or visit www.securesafer.com to book your free consultation.
Let Secure Safer be your trusted partner in affordable healthcare—because peace of mind shouldn’t come with a price tag.
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