Financial assistance ensures that health coverage is accessible to all. Medicaid, the Essential Plan, and Child Health Plus offer affordable health insurance options for individuals and families. The Essential Plan, for instance, offers low-cost health coverage for individuals aged 19-64 who meet specific income criteria and are ineligible for Medicaid or employer coverage.
Individuals may also qualify for reduced costs on marketplace plans based on their expected household income. Subsidies and financial assistance programs significantly lower health insurance costs, making it more affordable for eligible New Yorkers.

Medicaid and CHIP
Medicaid is designed to cover more people, particularly targeting low-income families who need health insurance. CHIP assists families with limited income in obtaining health insurance for their children, ensuring they have access to necessary healthcare services.
Families earning less than 2.2 times the poverty level can get Child Health Plus coverage without any monthly premium. These programs provide essential financial assistance, ensuring that children and low-income families have access to comprehensive health coverage.
Premium Tax Credits
Premium tax credits are another form of financial assistance available through the marketplace. Premium tax credits reduce the overall cost of health insurance based on income and family size. By lowering monthly health insurance costs, premium tax credits make health insurance more affordable for eligible individuals and families.
Managing your health insurance account is crucial for ensuring that your coverage remains up-to-date and effective. Your member account allows you to view benefits, change preferences, and request ID cards. Online access simplifies tracking health insurance details and making necessary adjustments.
You can also pay your monthly bill directly through your member account, simplifying the process of maintaining your health coverage. New Yorkers can report changes to their health insurance account online, or by phone.