EP
Essential Plan
In short
$0-premium coverage with no deductible, including dental and vision. NY residents 19-64 not eligible for Medicaid/Medicare/affordable job coverage.
- What you get
- $0-premium coverage with no deductible, including dental and vision.
- Who qualifies
- NY residents 19-64 not eligible for Medicaid/Medicare/affordable job coverage.
- Income limit (2026)
- Up to 200% FPL from July 1, 2026 (was 250%). People 200-250% FPL moved to Qualified Health Plans.
- Papers to gather
- ID, SSN if any, immigration documents, income proof, address.
- Renewal
- Annual through NYSOH (auto-renewal when data matches).
- 2026 update
- changed: Section 1332 waiver terminated July 1, 2026 (CMS approved Mar 2026); program back under Basic Health Program; ~450,000 people at 200-250% FPL lost EP. Immigrant eligibility for 2027 at risk/unverified.
Some details here could not be confirmed yet. We check every rule with the agency before you apply.
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