What do I need to enroll?

You may not know where to start if you’re looking for healthcare coverage. MetroPlusHealth offers the Essential Plan, a New York State health insurance plan for people who want good coverage without the financial strain. If you’re considering different care plans, you may want to know about income qualifications, any healthcare payment that you’ll need to make, and options for immigrants.

Below, you can learn more about the Essential Plan, including eligibility, plan coverage, potential costs and more.

The Essential Plan is for New York residents between 19-64 years old who aren’t eligible for Medicaid, employer-based or other health insurance options. Additionally, you must be a legal resident of the United States and meet the income requirements listed below.

As of April 1, 2025, New Yorkers who earn up to 250% of the federal poverty line are eligible for the Essential Plan. The federal poverty line changes yearly and depends on the number of people in your household. The current annual household income limits for New Yorkers eligible for the Essential Plan are:

• $39,125 for a single-person home
• $52,875 for a two-person home
• $66,625 for a three-person home
• $80,375 for a four-person home

If there are more than four people in your household, add $10,760 for each additional person to calculate your income limit.