NY Essential Plans

Plans with more affordable premiums than medal tiers for those who qualify, and no lock-out dates

MetroPlus Essential Plan 1 Plus 2021

See Full Plan Details (PDF)
For more information, call MetroPlus:
(855) 809-4073, press #3

EmblemHealth Essential Plan 1 2021

See Full Plan Details (PDF)

  • Deductible : $0
  • Enhanced Care Prime network ( See if your doctor is in network), which is more streamlined than metal tier plans
  • 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
For more information, call EmblemHealth:
866-838-9144

Plan Requirements and Availability:

  • 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 $17,237-$24,980
  • 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.

Fine Print - Lawyers Made Us Do It!

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, and Colorado and is the agent of record for dental sales in these states only. FIA contracts with BenefitMall, Inc., a nationally licensed insurance producer. Other than in New York, BenefitMall is acting as the health insurance agent of record for health (medical) insurance. In New York, FIA is the agent of record.

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

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