Individual and Family Plans

Find affordable health insurance here—for yourself or your family.

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Individual and Family Health Insurance Plans

Our affordable health plans cover everyone, from new mothers to new immigrants, so all New Yorkers can access the healthcare they need.

What types of plans are available?

Essential Plans
Essential Plans

For qualified individuals and eligible immigrants age 19–64 who do not qualify for Medicaid.

Medicaid Managed Care
Medicaid Managed Care

For low-income families, and for individuals.

Child Health Plus
Child Health Plus

For children under age 19 regardless of household income or immigration status.

Marketplace Plans
Marketplace Plans

For families and for individuals under 65 who don’t qualify for Medicaid, Essential Plan, or Child Health Plus.

Essential Plan 200–250

For U.S. citizens, eligible immigrants, and permanent or legal residents.

  • Naturalized citizens
  • New York State residents
  • Deferred Action for Childhood Arrivals (DACA)

Essential Plans 1 & 2

For U.S. citizens, eligible immigrants, and permanent or legal residents.

  • Naturalized citizens
  • New York State residents
  • Deferred Action for Childhood Arrivals (DACA)

Essential Plans 3 & 4

For Immigrants / Students

  • Students with valid visas
  • Immigrants Permanently Residing Under Color Of Law (PRUCOL)
  • Deferred Action for Childhood Arrivals (DACA)

Essential Plan 200–250

See Income Eligibility

For a $0 monthly plan premium, qualified individuals age 19–64 can access essential health, vision, and dental benefits with a $0 copay.

Plan highlights
Is my provider in-network?
Are my drugs covered?
Benefits
    • $0 annual checkups
    • Hospital, emergency room, urgent care visits, and retail health clinics

    • Lab tests and X-rays

    • Prescription drug coverage

    • Maternity coverage

    • 24/7 access to care with telemedicine

    • No-cost dental and vision coverage*

*Dental services must be medically necessary to be covered; limitations and exclusions apply.

Premium
$0
Deductible
$0

Essential Plans 1 & 2

See Income Eligibility

For a $0 monthly plan premium, qualified individuals age 19–64 can access essential health, vision, and dental benefits with a $0 copay.

View plan highlights
Is my provider in-network?
Are my drugs covered?
Benefits
  • $0 annual checkups
  • Hospital, emergency room, urgent care visits, and retail health clinics
  • Lab tests and X-rays
  • Prescription drug coverage
  • Maternity coverage
  • 24/7 access to care with telemedicine
  • No-cost dental and vision coverage*

*Dental services must be medically necessary to be covered; limitations and exclusions apply.

Star Ratings
Premium
$0
Deductible
$0

Essential Plans 3 & 4

See Income Eligibility

For a $0 monthly plan premium, eligible immigrants age 21–64 can access essential health, vision, and dental benefits with a $0 copay.

View plan highlights
Is my provider in-network?
Are my drugs covered?
Benefits
  • $0 annual checkups
  • Hospital, emergency room, urgent care visits, and retail health clinics
  • Lab tests and X-rays
  • Prescription drug coverage
  • Maternity coverage
  • 24/7 access to care with telemedicine
  • No-cost dental and vision coverage*

*Dental services must be medically necessary to be covered; limitations and exclusions apply.

Star Ratings
Premium
$0
Deductible
$0

Medicaid Managed Care Plan

See Income Eligibility

This five-star-rated Medicaid plan has a $0 monthly premium, $0 deductible, and low or no copays for qualified low-income families and individuals.

Plan highlights
Is my provider in-network?
Drugs covered by the Medicaid NYRx pharmacy program
Benefits
  • $0 annual checkups
  • Hospital, emergency room, urgent care visits, and retail health clinics
  • Maternity coverage for you and your newborn
  • Hearing, vision, dental coverage
  • 24/7 access to care with telemedicine
  • Over-the-counter nonprescription drug coverage. New York State covers prescription drugs*
Star Ratings
Premium
$0
Deductible
$0

Child Health Plus Plan

For qualified children under the age of 19, this low-cost health insurance plan offers a $0 deductible and no copays for pediatrician and other doctor visits. Monthly premium may vary based on income.

Plan highlights
Is my provider in-network?
Are my drugs covered?
Benefits
  • Vaccines (shots)
  • Hospital, emergency room, urgent care visits, and retail health clinics
  • Lab tests and X-rays
  • Prescription drug coverage
  • Hearing, vision, and dental coverage
  • Care Management programs
  • Physical, occupational, and speech therapy
    Star Ratings
    Premium
    Call For A Quote
    Deductible
    $0

    Marketplace Plans

    See Income Eligibility

    Our Marketplace plans offer everyday health benefits for families and for individuals under 65. There are various options you can choose from based on your needs and budget, including adult vision and adult dental care. (These plans are also called Qualified Health Plans or Healthfirst Leaf Plans.)

    Plan highlights
    Is my provider in-network?
    Are my drugs covered?
    Benefits
    • $0 annual checkups
    • Preventive and wellness visits
    • Hospital, emergency room, urgent care visits, and retail health clinics
    • Lab tests and X-rays
    • Prescription drug coverage
    • Maternity and newborn coverage
    • 24/7 access to care with telemedicine
        Premium / Deductible
        Call For A Quote

        2025 Open Enrollment is here!

        Now is the time to apply for new health insurance or to switch plans

        Plan Benefits and Features

        Free Checkups

        $0 checkups, maternity care, dental options, and more.

        Large Network of Doctors

        Large network of doctors, with no referrals needed to see in-network specialists

        Member Services

        Member Services who will help you get the care and support you need—from day one

        Care Options

        Care options including 24/7 telemedicine, retail health clinics, urgent care centers, and more

        Interested in Healthfirst?

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        Have questions or ready to apply now?

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        The benefit information provided is a brief summary, not a complete description, of benefits. For more information, contact the plan.

        The New York State of Health (NYSOH) Marketplace rates Essential Plan insurers based on member experience and clinical care indicators, with the overall rating measured on a five-star scale. Medicaid Managed Care and CHPlus insurers’ quality ratings are measured on a five-star scale from indicators chosen by the New York State Department of Health (NYSDOH). These ratings are published on the NYSDOH public website.

        Coverage is provided by Healthfirst Health Plan, Inc., Healthfirst PHSP, Inc., and/or Healthfirst Insurance Company, Inc. (together, “Healthfirst”).

        Plans contain exclusions and limitations.

        Healthfirst complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.