Health Insurance Changes and Guidance in New York

As a result of federal funding cuts, New York State of Health has announced plans to eliminate Essential Plan eligibility for New Yorkers earning between 200 and 250 percent of the federal poverty level. Beginning July 1, 2026, New Yorkers enrolled in the Essential Plan with household incomes over 200 percent of the federal poverty level will no longer be eligible for that coverage. New Yorkers can only purchase or change health insurance plans during open enrollment and special enrollment periods triggered by qualifying life events such as losing coverage, moving, getting married, having a baby, or experiencing certain changes in income. The loss of Essential Plan coverage is considered a qualifying event, meaning impacted New Yorkers can enroll in a new health insurance plan through the New York State of Health marketplace any time before September 1, 2026. New Yorkers who enrolled in health insurance through New York State of Health can get free help renewing or changing coverage from New York State of Health-certified enrollment assistors by visiting nystateofhealth.ny.gov or calling 1-855-355-5777. New Yorkers who enrolled in Medicaid through their county Medicaid office or the New York City Human Resources Administration can also get free help renewing their coverage by contacting the office where they originally enrolled. The New York agencies that administer Medicaid, Child Health Plus, and Essential Plan benefits will never charge New Yorkers to enroll or re-enroll. New York Attorney General Letitia James has released guidance to help New Yorkers understand their health insurance options and avoid scams as major changes to New York’s Essential Plan take effect.