​Essential Plan – Continuous Coverage begins June 2023

Beginning in late June 2023, Essential Plan enrollees will have 12 months of continuous coverage, even if they experience a change in income or household size. While all who have health insurance through the NY State of Health/Marketplace are required to update their income during their coverage period, those with Essential Plan will now maintain coverage for a full 12-months. A change in income may result in a change in one’s Essential Plan cost-sharing level, or a transfer to Medicaid coverage; but they will not lose health insurance during the 12-month period solely due to increased income.

Essential Plan offers health insurance coverage to New Yorkers ages 19-64 who are not eligible for Medicaid or any other health insurance. Individuals apply for coverage through the NY State of Health/Marketplace and receive their coverage through an HMO.