QHP subsidies
Qualified Health Plans with premium tax credits (NY State of Health Marketplace)
In short
Private plans with federal premium tax credits and cost-sharing reductions. Residents not eligible for Medicaid/EP/affordable employer coverage; income above 200% FPL (since July 2026).
- What you get
- Private plans with federal premium tax credits and cost-sharing reductions.
- Who qualifies
- Residents not eligible for Medicaid/EP/affordable employer coverage; income above 200% FPL (since July 2026).
- Income limit (2026)
- Enhanced (no-cap) tax credits expired end of 2025; standard tax credits roughly 100/200-400% FPL. NY halving deductibles for EP-to-QHP switchers mid-2026.
- Papers to gather
- Income (tax return), ID, immigration docs, SSN.
- Renewal
- Annual; H.R.1 adds pre-enrollment verification and ends some auto-reenrollment (from 2028, unverified).
- 2026 update
- changed: enhanced subsidies gone; immigrant restrictions start 2027.
Some details here could not be confirmed yet. We check every rule with the agency before you apply.
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