Comprehensive health coverage NYC, low out of pocket costs health plan, Marketplace health plans for families and individuals

GoldPlus 2025

Why choose MetroPlusHealth?

Quality Care When and Where You Need It

Access Top-Rated Healthcare Providers

MetroPlusHealth Essential Plan connects you with NYC’s finest healthcare network:

  • 34,000+ top doctors across the city
  • 40+ premiere hospitals including Mount Sinai, NYU Langone, and NY Health + Hospitals
  • 110+ urgent care locations including convenient CityMD sites

Perfect for families: Our health insurance for families covers everyone’s needs with one simple plan.
Care on your schedule: Access online doctor visits and virtual urgent care from home, work, or anywhere with our telemedicine health insurance coverage.

Why Choose a New York-Only Health Care Plan?

Is a not-for-profit organization (prioritizing you, not profits)
Was created by New Yorkers, for New Yorkers
Proudly provides customer service from real people who live in NYC
Offers you 34,000+ providers across all five boroughs

National Health Care Chains

Prioritize their bottom line profits (not you)
Are based outside of NYC
Provide impersonal customer service
Offer uncertain provider networks

Premium Gold Health Insurance Plans Customized for You

MetroPlusHealth offers several GoldPlus options to help you get the healthcare you deserve.

Affordable Coverage with Low Deductible Marketplace Plans

Standard GoldPlus Plan Costs:

  • Individual deductible: $600
  • Individual maximum out-of-pocket: $7,900
  • Family deductible: $1,200
  • Family maximum out-of-pocket: $15,800

Special $0 Deductible AI/AN Health Plan

We offer a specialized American Indian/Alaska Native plan featuring:

  • $0 deductible
  • $0 maximum out-of-pocket costs
  • Same comprehensive coverage

Easy Enrollment Options

You can join our GoldPlus plans in two ways:

  1. Direct enrollment through MetroPlusHealth (“Off Exchange”)
  2. NY State of Health (NYSOH) Marketplace (“Exchange”)

Browse our Gold Health Insurance Plan options below. *You may qualify for NYSOH premium subsidies!

Need help choosing? Call us at 855-809-4073 or contact us here and one of our friendly representatives will help you find the perfect plan for you.

2025 GoldPlus*

G1

Standard
Premium$1212.34
Deductible$600
Max Out of Pocket$7,900
PCP$25
Specialist$40
Prescription Drugs**$10 / $35 / $70
Adult Dental / VisionNo
Pediatric Dental / VisionYes
Mail Order RXYes
Exercise Facility ReimbursementYes

G3

Child Only
Premium$499.93
Deductible$600
Max Out of Pocket$7,900
PCP$25
Specialist$40
Prescription Drugs**$10 / $35 / $70
Adult Dental / VisionNo
Pediatric Dental / VisionYes
Mail Order RXYes
Exercise Facility ReimbursementYes

G5 (ADULT)

AI / AN Standard
Premium$1212.34
Deductible$0
Max Out of Pocket$0
PCP$0
Max Out of Pocket$0
PCP0%
Specialist0%
Prescription Drugs**0%
Adult Dental / VisionNo
Pediatric Dental / VisionYes
Mail Order RXYes
Exercise Facility ReimbursementYes

G3-4 (CHILD)

AI / AN Standard
Premium$499.93
Deductible$0
Max Out of Pocket$0
PCP0%
Specialist0%
Prescription Drugs**0%
Adult Dental / VisionNo
Pediatric Dental / VisionYes
Mail Order RXYes
Exercise Facility ReimbursementYes

*These charts are brief descriptions of benefits for the plan.
**Prescription Drug: Generic / Formulary Brand / Non-Formulary Brand
◊ Deductible must be met first before cost sharing begins. Family cost is multiplied by (2).
□AI / AN – American Indian / Alaskan Native

Premiums listed are example base rates for individuals. Rates may differ based according to family size, income level, and eligibility for tax credits. In accordance with Section 1303 of the Patient Protection and Affordable Care Act, at least $1.00 of the total premium amount owed per enrollee per month is a payment for coverage of non-Hyde abortion services.

Find out if you’re eligible today

We are available 6 days a week

Monday – Friday | 8am – 6pm (ET), Saturday | 9am – 5pm (ET)

How to enroll

Signing up is simple! Here’s what you need:

  • Proof of residency (Must live in one of NYC’s 5 boroughs)
  • Immigration documents (If applicable)
  • Proof of relationship status (For health insurance for dependents in NY)

Need help? Call 855-809-4073 and a friendly representative will guide you through the process.

Ready to get covered?

A woman stands in a subway car and holds a bar for balance

Thank you. It was super easy to get appt and to be able to speak to my doctor.

Lourdes S.
Google Review
Members and providers accessing MetroPlusHealth's online resource library
MetroPlusHealth Virtual Visit

Access to a doctor—whenever and wherever you need it!

MetroPlusHealth Virtual Visit is the fast, easy way for our members to see a provider for common physical, mental, emotional, and behavioral health issues that are not emergencies. MetroPlusHealth Virtual Visit is available anytime, from anywhere in New York State, 24/7 – and in your language.

Know your rights and protections against surprise medical bills!

When you get emergency care or are treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from balance billing. In these cases, you shouldn’t be charged more than your plan’s copayments, coinsurance and/or deductible.

Are you receiving care at an NYC Health + Hospitals facility?

Manage your health online with MyChart. Members who receive care at NYC Health + Hospital facilities now have access to MyChart. MyChart is a free secure portal you can use to manage your health information. MyChart allows you to:

  • Message your primary care provider’s office
  • Request refills of your prescription drugs
  • Access your test results
  • Schedule appointments

Explore all MetroPlusHealth Plans

last updated: June 25, 2025
MetroPlusHealth
Privacy Overview

This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful.