For many working families, students, and immigrants in New York, finding affordable health coverage can feel overwhelming. Thatโs where New Yorkโs Essential Plan comes inโa smart, low-cost alternative that delivers comprehensive benefits without high monthly premiums.
Whether youโre between jobs, self-employed, or just earning within certain income limits, the Essential Plan may be the perfect fit for your needs. At Secure Safer Insurance Agency, we help clients every day understand and enroll in this valuable programโwith free consultations in English, Espaรฑol, เฆฌเฆพเฆเฆฒเฆพ, เคนเคฟเคจเฅเคฆเฅ, ุงุฑุฏู, ุงูุนุฑุจูุฉ, เคจเฅเคชเคพเคฒเฅ, and Wolof.
What’s Inside
- What Is the Essential Plan?
- Who Is Eligible?
- What Does It Cover?
- Why It Matters
- Get Help in Your LanguageโFor Free
- Call Now for a Free Consultation
What Is the Essential Plan?
The Essential Plan is a health insurance program offered through the NY State of Health Marketplace. Itโs available to low- and moderate-income New Yorkers who donโt qualify for Medicaid but still need coverage they can afford.
There are four versions of the plan (EP1 to EP4), each tailored to different income ranges. All four offer:
- $0 or very low monthly premiums
- No annual deductibles
- Low or no copayments
- Comprehensive medical, vision, and dental coverage
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Who Is Eligible?
To qualify, you must:
- Be a New York resident between 19 and 64 years old
- Be lawfully present in the U.S. (including green card holders and certain visa holders)
- Not be eligible for Medicaid, Medicare, or employer-based insurance
- Meet specific income guidelines based on family size
For example, a single adult earning up to $39,125 or a family of four earning up to $80,375 annually may qualify in 2025. You can find the full income chart here.
What Does It Cover?
The Essential Plan offers the same level of protection as more expensive plans, including:
- Doctor visits and specialist care
- Hospital and emergency services
- Prescription drugs
- Lab tests and X-rays
- Mental health services
- Preventive care like vaccines and screenings
- Dental and vision coverage
All without worrying about a deductible.
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Why It Matters
With the cost of living rising across New York City, the Essential Plan helps protect your health and your wallet. It ensures individuals and families get timely care, avoid medical debt, and stay coveredโeven during life transitions like switching jobs or losing employer coverage.
At Secure Safer, our licensed agents work with you step by step to avoid common mistakes in the application and ensure you donโt miss out on coverage due to paperwork or documentation issues.
Get Help in Your LanguageโFor Free
Navigating health insurance can be stressful, especially if English isnโt your first language. Thatโs why Secure Safer Insurance Agency offers free, no-obligation support in your languageโwhether itโs Spanish, Bengali, Arabic, Hindi, Urdu, or Nepali.
We believe everyone deserves clear answers, trusted guidance, and access to healthcareโregardless of income or immigration status.
Call Now for a Free Consultation
If you’re unsure whether you qualify or how to get started, we’re here to help. Weโll walk you through the process, explain your options, and make sure you get the best possible coverage under the Essential Plan.
๐ Call us today at 646-444-2020
๐ Or visit www.securesafer.com to book your free consultation.
Let Secure Safer be your trusted partner in affordable healthcareโbecause peace of mind shouldnโt come with a price tag.
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