Member

Login to your account, make a payment, see benefits and more.

Members

Manage Your Plan

Helpful Tools

Wellcare By Fidelis Care

Members
Providers

Login to your account, download forms, view auth grids and more.

Providers

Provider Resources

About Our Plans

Helpful Tools

Providers
Shop For a Plan

See plan benefits, coverage areas, get a quote and more.

Shop for a Plan

Our Plans

Helpful Tools

Wellcare By Fidelis Care

Shop for a Plan
AAA
HomeShop For a PlanOur PlansNew York Essential Plan2026 Essential Plan Income Guidelines in New York

2026 Essential Plan Income Guidelines in New York

See if You Qualify for $0 Health Insurance with Fidelis Care

If you’re looking for low-cost or free health insurance in New York, the Essential Plan may be the right option for you. Updated for 2026, the income guidelines have increased—meaning more New Yorkers may now qualify.

The Essential Plan, available through NY State of Health, provides comprehensive coverage with $0 monthly premiums, making it one of the most affordable health insurance options in New York State.

With expanded eligibility in 2026, the Essential Plan continues to be a strong option for individuals and families who need affordable coverage without sacrificing access to quality care, preventive services, and a wide network of providers across New York.

Essential coverage. $0 monthly premium

 

2026 Essential Plan Income Limits (NY)

To qualify for the Essential Plan in 2026, your household income must fall within the following limits:

Household Size

Maximum Yearly Income

1

$39,900

2

$54,100

3

$68,300

4

$82,500


Note: Income limits are based on federal guidelines and may vary slightly depending on household circumstances.

 

What Is the Essential Plan?

The Essential Plan is designed for individuals and families who:

  • Do not qualify for Medicaid
  • Need affordable health insurance coverage
  • Fall within specific income guidelines based on the Federal Poverty Level (FPL)
It helps bridge the gap between Medicaid and private insurance, offering high-quality coverage at little to no cost.

 

What Does the Essential Plan Cover?

With the Essential Plan from Fidelis Care, you get access to:

  • $0 monthly premium
  • No deductible
  • Low out-of-pocket costs
  • Free preventive care
  • Dental and vision coverage with $0 copay
  • Access to a statewide network of doctors and specialists

Extra Benefits with Fidelis Care

When you enroll in the Essential Plan through Fidelis Care, you also receive:

  • Wellness Rewards Program
  • Fitness reimbursement benefits
  • Access to health education and support resources
  • Local, in-person support from Fidelis Care representatives across New York

Who Qualifies for the Essential Plan?

You may qualify if you:

  • Live in New York State
  • Meet the income requirements listed above
  • Are between the ages of 19–64
  • Do not qualify for Medicaid or employer-sponsored coverage

When Can You Enroll in Essential Plan?

Unlike many other health insurance options, Essential Plan enrollment is available year-round—you can apply at any time.

 

How to Enroll in an Essential Plan

Once you know the health coverage you qualify for, there are four ways you can enroll:

  • Enroll Online via NY State of Health. 
    Visit     NYSOH and click on "Start Enrollment."
  • Select 'Get Started' in the next box to contact a certified representative. 

Get Coverage Today

Tell us more about yourself to find qualifying plans and estimate costs.
Get Started