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NY Essential Plans

More affordable premiums than metal tiers for those who qualify, and no lock-out dates

Essential Plan 1 Plus 2024 See Full Plan Details (PDF)
Essential Plan 1 2023 See Full Plan Details (PDF)
  • Deductible : $0
  • Enhanced Care Prime network, which is more streamlined than metal tier plans.
    (See if your doctor is in network)
  • Out-of-pocket max: $2,000
  • Offers telemedicine and all medical services that are available on the Qualified Health Plans
  • Basic dental and vision coverage
Shop EmblemHealth Plans For more information, call EmblemHealth: (866) 838-9144

Things to Consider

Elgibility Requirements

  • You can enroll in an Essential Plan at any time of the year
  • To qualify for an Essential Plan, your individual income must be between $17,609-$25,520
  • Essential Plans are for adults only between the ages of 19 and 64. If married, each person must purchase their own plan.
  • Essential Plans are available within the eight downstate counties: Bronx, Kings, Manhattan, Nassau, Queens, Richmond, Suffolk and Westchester
  • Enrollment in Essential Plans is retroactive: if you enroll before the 15th of the month, that whole month will be covered. Regardless of the date, the entire month of termination will be covered.

Why buy insurance with freelancers union

Where you buy insurance
Actually matters

  • When you purchase a plan through Freelancers Union, we get a small commission at no extra cost to you
  • These funds help us continue our work advocating for and supporting freelancers around the country
  • Partnerships also help us ensure that we’re finding the best plans and discounts for our members

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Freelancers Union, Inc. (FU) is not a licensed insurance agent. Freelancers Insurance Agency (FIA), a wholly owned subsidiary of FU, is a licensed health insurance producer in New York, California, New Jersey, Pennsylvania, Connecticut, Texas, Georgia, Florida, North Carolina, and Colorado and is the agent of record for dental sales in these states only.

FIA is a licensed producer in the lines of Property and Casualty insurance in New York, California, New Jersey, Pennsylvania, Texas, Georgia, Florida, North Carolina, and Colorado only. FIA contracts with Hiscox Inc., a nationally licensed insurance producer. Other than New York, Pennsylvania, New Jersey, California, Texas, Georgia, Florida, North Carolina, and Colorado, Hiscox is acting as the insurance agent of record.

All New York individual health insurance plans on this site provide in-network only coverage, except for urgent or emergency care depending on the carrier's policies. Only plan highlights are shown. Coverage is subject to all terms, conditions, limitations and exclusions set forth in the contract of insurance.

You should consider your needs when selecting products. FU does not make specific product recommendations for individuals. Each insurer has sole responsibility for its products. FU and FIA are not insurers.