Individual & Family Explore Individual & Family Plans

Healthfirst offers affordable plans for everyone, including options with no monthly premium or deductible. No matter your family size, you’ll have access to a broad range of benefits.

Browse our plans

Individual & Family Explore Individual & Family Plans

Healthfirst offers affordable plans for everyone, including options with no monthly premium or deductible. No matter your family size, you’ll have access to a broad range of benefits.

Let's talk
Browse our plans
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Already picked your plan?

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Plan benefits and features

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

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

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

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

Individual and family health insurance plans

Our affordable health plans cover everyone, including families of all backgrounds, so all New Yorkers can access the healthcare they need.

Which plan is right for you?

CHOOSE A PLAN

Essential Plans 1 & 2 Essential Plans 3 & 4 Medicaid Managed Care Child Health Plus Marketplace Leaf Plans
Essential Plans 1 & 2

Star Rating

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

See income eligibility

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

Premium

$0

Deductible

$0

Plan highlights:

$0 annual checkups

Hospital, emergency room, urgent care visits, and retail health clinics

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.

Email Me Plan Details View plan details
Essential Plans 3 & 4

Star Rating

Eligible individuals/students.

See income eligibility

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

Premium

$0

Deductible

$0

Plan highlights:

$0 annual checkups

Hospital, emergency room, urgent care visits, and retail health clinics

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.

Email Me Plan Details View plan details
Medicaid Managed Care

Star Ratings

For low-income families, and for individuals.

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.

Premium

$0

Deductible

$0

Plan highlights:

$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

Email Me Plan Details View plan details
Child Health Plus

Star Ratings

For children under age 19 regardless of household income.

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.

Premium

Call for a quote

Deductible

$0

Plan highlights:

Vaccines (shots)

Hospital, emergency room, urgent care visits, and retail health clinics

Prescription drug coverage

Hearing, vision, and dental coverage

Care Management programs

Physical, occupational, and speech therapy

Email Me Plan Details View plan details
Marketplace Leaf Plans

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

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.)

Premium

Depends on household income and size

Deductible

Varies by plan

Plan highlights:

$0 annual checkups

Preventive and wellness visits

Hospital, emergency room, urgent care visits, and retail health clinics

Prescription drug coverage

Maternity and newborn coverage

24/7 access to care with telemedicine

Email Me Plan Details View plan details

Which plan is right for you?

CHOOSE A PLAN

Star Rating

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

See income eligibility

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

Premium

$0

Deductible

$0

Plan highlights:

$0 annual checkups

Hospital, emergency room, urgent care visits, and retail health clinics

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.

Email Me Plan Details View plan details

Star Rating

For immigrants/students with valid visas

See income eligibility

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

Premium

$0

Deductible

$0

Plan highlights:

$0 annual checkups

Hospital, emergency room, urgent care visits, and retail health clinics

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.

Email Me Plan Details View plan details

Star Rating

For low-income families, and for individuals.

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.

Premium

$0

Deductible

$0

Plan highlights:

$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

Email Me Plan Details View plan details

Star Rating

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

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.

Premium

Call for a quote

Deductible

$0

Plan highlights:

Vaccines (shots)

Hospital, emergency room, urgent care visits, and retail health clinics

Prescription drug coverage

Hearing, vision, and dental coverage

Care Management programs

Physical, occupational, and speech therapy

Email Me Plan Details View plan details

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

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.)

Premium

Depends on household income and size

Deductible

Varies by plan

Plan highlights:

$0 annual checkups

Preventive and wellness visits

Hospital, emergency room, urgent care visits, and retail health clinics

Prescription drug coverage

Maternity and newborn coverage

24/7 access to care with telemedicine

Email Me Plan Details View plan details

Frequently asked questions

Unlike group health insurance plans such as those you get through an employer or union, Individual & Family plans are individual health insurance plans that you apply for on your own.

These health insurance plans are designed to give you and/or your family members access to comprehensive healthcare coverage, whether or not you’re working.

In New York, you can get affordable health insurance for yourself and/or family members through the New York State of Health Marketplace (NYSOH).

Yes, if you are under the age of 65, and live in New York state, you could qualify for individual health insurance on the New York State of Health Marketplace.

One of these affordable health insurance plans could be right for you if you are:

  • Self-employed or a freelancer
  • Recently unemployed or between jobs
  • Working part-time
  • Working full-time for a company that doesn’t provide health insurance benefits
  • Retired before turning 65
  • A student or recent graduate
  • A parent with children who need coverage
  • Pregnant

Yes, in fact you may be surprised to learn just how affordable these plans can be. There are a number of low-cost or no-cost options for individuals, families, and children.

Depending on your income and household size, you may qualify for a plan with a premium as low as $0 and a $0 deductible.

And those who qualify can get financial assistance. So getting affordable health insurance in NYC is a reality.

All Individual & Family plans are required to cover a key set of health benefits, so you can count on getting the care you need to get and stay healthy.

Most plans typically cover:

  • Preventive services such as:
    • annual checkups
    • screenings for diseases such as cancer, diabetes, and hepatitis
    • vaccines such as those for the flu and COVID
  • Hospital care and emergency services
  • Prescription medications
  • Maternity and newborn care
  • Mental health and substance use services
  • Pediatric services including dental and vision coverage for children

These core services are included in all plans. What differs from plan to plan is how much you may pay for them.

There are four types of health insurance plans available in New York through the NY State of Health Marketplace. Choose the plan that best meets your individual needs.

  • Medicaid: this public health insurance program, designed for people with limited income, is funded by the State and federal government.
  • The Essential Plan: this public health insurance program, designed for individuals with lower incomes who don’t qualify for Medicaid, is offered by New York State. You can apply at any time during the year through the NY State of Health Marketplace.
  • Child Health Plus: this public health insurance program, designed for children under the age of 19 in families who do not qualify for Medicaid, is offered by New York State.
  • Marketplace Leaf & Leaf Premier Plans: these private health insurance plans, designed for individuals and family members under the age of 65, are available through the NY State of Health Marketplace.

Having health insurance prepares you for the unexpected. You never know if you’ll need medical care due to an accident or illness. But it’s also about staying healthy all year long.

With an individual or family health insurance plan, you’ll get:

  • Access to preventive care to help catch issues early
  • Financial protection from high medical costs
  • A network of trusted doctors, specialists, and hospitals
  • Peace of mind knowing you and your family are covered

Learn about enrollment

Call to speak with a sales representative
1-844-434-7785

TTY English: 1-888-542-3821

TTY Español: 1-888-867-4132

Monday to Friday, 9am–6pm

Request a call

Our sales team will call you within one business day.

Request a call
Schedule an appointment

We can help you enroll by phone, video chat, or in person.

Schedule an appointment
Looking for in-person help?

Visit a neighborhood Community Office near you to talk to us in person, and take care of your health insurance needs.

Find a Community Office

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

The NY 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 PHSP, Inc.

Plans contain exclusions and limitations.

Questions? Ready to enroll?
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