New York’s Essential Plan offers comprehensive, affordable health coverage to residents who meet specific income and eligibility criteria. As of 2025, the program has expanded to accommodate a broader range of incomes, ensuring more New Yorkers have access to vital health services.
What’s Inside
- Who Is Eligible for the Essential Plan?
- 2025 Essential Plan Income Eligibility Guidelines
- How to Apply for Insurance
- Need Assistance?
Who Is Eligible for the Essential Plan?
To qualify for the Essential Plan in 2025, applicants must:
- Be a New York State resident.
- Be lawfully present in the U.S.
- Be between 19 and 64 years old.
- Not be eligible for Medicaid, Child Health Plus, or employer-sponsored insurance.
- Meet specific income requirements based on household size.
2025 Essential Plan Income Eligibility Guidelines
Eligibility for the Essential Plan is determined by household size and income. The following table outlines the maximum annual income limits for each household size:
| Household Size | Maximum Annual Income |
| 1 | $39,125 |
| 2 | $52,875 |
| 3 | $66,625 |
| 4 | $80,375 |
| 5 | $94,125 |
| 6 | $107,875 |
| 7 | $121,625 |
| 8 | $135,375 |
For households with more than eight members, add approximately $13,750 for each additional person.
These income limits correspond to different tiers within the Essential Plan, each offering varying levels of cost-sharing and benefits.
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How to Apply for Insurance
Enrollment in the Essential Plan is open year-round. Eligible individuals can apply through:
- The NY State of Health website
- By calling 1-855-355-5777 (TTY: 1-800-662-1220)
- In-person assistance from certified enrollment counselors or brokers. Support & Resources | NY State of Health
Applicants should have the following information ready:
- Birth dates for all household members.
- Social Security numbers or immigration documents.
- Income information (e.g., pay stubs, tax returns).
- Information about any current health insurance coverage
Need Assistance?
Navigating health insurance options can be complex. For personalized assistance, consider reaching out to Secure Safer Insurance Agency. They offer free consultations in multiple languages, including English, Spanish, Bengali, Hindi, Urdu, Nepali, Arabic, and Wolof.
📞 Call now for a free consultation: 646-444-2020
🌐 Visit: www.securesafer.com
Secure Safer’s experienced agents can guide you through the application process, ensuring you find the best coverage for your needs.
For more detailed information on the Essential Plan and to view the full income eligibility chart, visit the NY State of Health Essential Plan page.
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