Qualified Health Plans

Health | NY State of Health

All New Yorkers regardless of immigration statusEveryone

Enrollment for 2026 Qualified Health Plans are open now until January 31, 2026 through NY State of Health

Heads Up

Qualified Health Plans are private health insurance available through theNY State of Health (https://info.nystateofhealth.ny.gov/) marketplace. You'll pay a monthly fee and some additional costs — copayments, deductibles, and coinsurance — based on your plan. All plans cover:
  • Preventive care at no extra cost (like routine doctor visits and screenings)
  • Pre-existing conditions at no extra cost
  • Essential health benefitsHow to get affordable healthcare:
  • Enroll by December 15, 2025 to get coverage starting January 1, 2026.
  • If you already have a plan, you can renew or change it starting November 16, 2025.
  • If you have limited income or children, you might qualify for free or low-cost public health insurance plans like (https://access.nyc.gov/programs/medicaid/) Medicaid (https://access.nyc.gov/programs/child-health-plus/) , (https://access.nyc.gov/programs/essential-plan/) Child Health Plus, and the Essential Plan—enroll anytime during the year.
  • You can also buy private insurance directly from an insurance company but you won't be eligible for financial help.

    • Eligibility

    You can enroll in a Qualified Health Plan if you:

  • Live in New York State
  • Are a U.S. citizen or legally living in the U.S.
  • Do not qualify for Medicaid, the Essential Plan, or Child Health Plus

    Required Documents

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    How to Apply

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    Online

    Enroll in health insurance throughNY State of Health (https://nystateofhealth.ny.gov/) .

    Enroll online

    By Mail

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    Get Help

  • Learn more about your health insurance options through HRA's Office of Citywide Health Insurance Access (https://www1.nyc.gov/site/ochia/coverage-care/insurance-options.page) .
  • GetCoveredNYC (https://www1.nyc.gov/nyc-resources/get-covered.page) helps New Yorkers enroll in health insurance. Dedicated specialists can assist you in your language for free.
  • Complete a Health Insurance Enrollment Assistance Inquiry Form (https://nycdohmh.surveymonkey.com/r/7BB62M3) to receive a call from an enrollment counselor. Free enrollment assistance is available regardless of immigration status and in many languages. Your information will be kept private.
  • Call 311 for general questions on health insurance and to find an in-person assistor.

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