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New York health plans

Looking for low-cost or no-cost health insurance? We offer health insurance plans including dual health plans for people with both Medicaid and Medicare.

For general information about the plans in your state, visit New York's homepage.

Recently, New York Attorney General Letitia James and the New York State Department of Health warned all New Yorkers with Medicaid, Child Health Plus, and the Essential Plan to be on the lookout for fraudulent requests targeting enrollees as they renew their coverage. Continuous coverage ended for these public health insurance programs on March 31, 2023. Starting in mid-March, renewal notices began going out to enrollees with detailed instructions on how to stay covered and their deadline to take action.

There have been reports of scammers taking advantage of this process, threatening New Yorkers that their Medicaid coverage is cancelled or at risk for cancellation unless they provide hundreds of dollars to reinstate or continue benefits. This is false. New York State will never charge Medicaid consumers to enroll or re-enroll.

In a recent consumer alert, Attorney General James and Acting Department of Health Commissioner Dr. McDonald shared tips on how to stay vigilant and spot potential abuse, and offered additional information on the renewal process.

Additionally, New Yorkers are encouraged to visit the New York State Department of Health website or its Medicaid information page for more information about public health insurance renewals.

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10  results  for New York

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2024 UHC Dual Complete NY-S002 (HMO-POS D-SNP) 2024 UHC Dual Complete NY-S002 (HMO-POS D-SNP)

H3387-014-001

Monthly premium: $0.00*

* Your costs may be as low as $0, depending on your level of Medicaid eligibility.


This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).

This plan is a Medicare Advantage HMO Plan (HMO stands for Health Maintenance Organization) with a Point-of-Service (POS) option approved by Medicare and run by a private company. “Point-of-Service” means you can use providers outside the plan’s network for an additional cost.

Benefits & Features

To reveal Benefits & Features, select your county.

  • Food, OTC and Utilities

    $213 credit every month to pay for healthy food, OTC products and utility bills

  • Dental benefits

    $1000 allowance for covered preventive and comprehensive dental services

  • Prescription drug coverage

    $0 copay for generic and brand-name prescriptions including Optum® Home Delivery

For plan details and online enrollment, select your county

2024 UHC Dual Complete NY-S002 (HMO-POS D-SNP) 2024 UHC Dual Complete NY-S002 (HMO-POS D-SNP)

H3387-014-002

Monthly premium: $0.00*

* Your costs may be as low as $0, depending on your level of Medicaid eligibility.


This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).

This plan is a Medicare Advantage HMO Plan (HMO stands for Health Maintenance Organization) with a Point-of-Service (POS) option approved by Medicare and run by a private company. “Point-of-Service” means you can use providers outside the plan’s network for an additional cost.

Benefits & Features

To reveal Benefits & Features, select your county.

  • Food, OTC and Utilities

    $193 credit every month to pay for healthy food, OTC products and utility bills

  • Dental benefits

    $1000 allowance for covered preventive and comprehensive dental services

  • Prescription drug coverage

    $0 copay for generic and brand-name prescriptions including Optum® Home Delivery

For plan details and online enrollment, select your county

2024 UHC Dual Complete NY-Q001 (HMO-POS D-SNP) 2024 UHC Dual Complete NY-Q001 (HMO-POS D-SNP)

H3387-015-001

Monthly premium: $0.00*

* Your costs may be as low as $0, depending on your level of Medicaid eligibility.


This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).

This plan is a Medicare Advantage HMO Plan (HMO stands for Health Maintenance Organization) with a Point-of-Service (POS) option approved by Medicare and run by a private company. “Point-of-Service” means you can use providers outside the plan’s network for an additional cost.

Benefits & Features

To reveal Benefits & Features, select your county.

  • Food, OTC and Utilities

    $57 credit every month to pay for healthy food, OTC products and utility bills

  • Dental benefits

    $1000 allowance for covered preventive and comprehensive dental services

  • Prescription drug coverage

    $0 copay for generic and brand-name prescriptions including Optum® Home Delivery

For plan details and online enrollment, select your county

2024 UHC Dual Complete NY-Q001 (HMO-POS D-SNP) 2024 UHC Dual Complete NY-Q001 (HMO-POS D-SNP)

H3387-015-002

Monthly premium: $0.00*

* Your costs may be as low as $0, depending on your level of Medicaid eligibility.


This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).

This plan is a Medicare Advantage HMO Plan (HMO stands for Health Maintenance Organization) with a Point-of-Service (POS) option approved by Medicare and run by a private company. “Point-of-Service” means you can use providers outside the plan’s network for an additional cost.

Benefits & Features

To reveal Benefits & Features, select your county.

  • Food, OTC and Utilities

    $57 credit every month to pay for healthy food, OTC products and utility bills

  • Dental benefits

    $500 allowance for covered preventive and comprehensive dental services

  • Prescription drug coverage

    $0 copay for generic and brand-name prescriptions including Optum® Home Delivery

For plan details and online enrollment, select your county

2024 UHC Dual Complete NY-S001 (PPO D-SNP) 2024 UHC Dual Complete NY-S001 (PPO D-SNP)

H0271-060-001

Monthly premium: $0.00*

* Your costs may be as low as $0, depending on your level of Medicaid eligibility. 


This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).

This is a Preferred Provider Organization (PPO) plan. You have access to a local network of doctors and hospitals. Plus, you can see any provider outside the network nationwide that participates in Medicare and accepts the plan. You may pay a higher copay or coinsurance when you see an out-of-network provider.

Benefits & Features

To reveal Benefits & Features, select your county.

  • Food, OTC and Utilities

    $163 credit every month to pay for healthy food, OTC products and utility bills

  • Dental benefits

    $1000 allowance for covered preventive and comprehensive dental services

  • Prescription drug coverage

    $0 copay for generic and brand-name prescriptions including Optum® Home Delivery

For plan details and online enrollment, select your county

2024 UHC Dual Complete NY-S001 (PPO D-SNP) 2024 UHC Dual Complete NY-S001 (PPO D-SNP)

H0271-060-002

Monthly premium: $0.00*

* Your costs may be as low as $0, depending on your level of Medicaid eligibility. 


This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).

This is a Preferred Provider Organization (PPO) plan. You have access to a local network of doctors and hospitals. Plus, you can see any provider outside the network nationwide that participates in Medicare and accepts the plan. You may pay a higher copay or coinsurance when you see an out-of-network provider.

Benefits & Features

To reveal Benefits & Features, select your county.

  • Food, OTC and Utilities

    $163 credit every month to pay for healthy food, OTC products and utility bills

  • Dental benefits

    $1000 allowance for covered preventive and comprehensive dental services

  • Prescription drug coverage

    $0 copay for generic and brand-name prescriptions including Optum® Home Delivery

For plan details and online enrollment, select your county

2023 UnitedHealthcare Dual Complete® Plan 1 (HMO-POS D-SNP) 2023 UnitedHealthcare Dual Complete® Plan 1 (HMO-POS D-SNP)

H3387-014-001

Monthly premium: $0.00*

* Your costs may be as low as $0, depending on your level of Medicaid eligibility.


This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).

This plan is a Medicare Advantage HMO Plan (HMO stands for Health Maintenance Organization) with a Point-of-Service (POS) option approved by Medicare and run by a private company. “Point-of-Service” means you can use providers outside the plan’s network for an additional cost.

Benefits & Features

To reveal Benefits & Features, select your county.

  • Food, OTC, Utilities

    $200 a month to buy healthy food and OTC products or pay utility bills

  • Prescription drug coverage

    $0 copay on covered generic and brand-name prescriptions including home delivery

  • Dental benefits

    Up to $1500 for covered types of preventive and comprehensive dental

For plan details and online enrollment, select your county

2023 UnitedHealthcare Dual Complete® Plan 1 (HMO-POS D-SNP) 2023 UnitedHealthcare Dual Complete® Plan 1 (HMO-POS D-SNP)

H3387-014-002

Monthly premium: $0.00*

* Your costs may be as low as $0, depending on your level of Medicaid eligibility.


This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).

This plan is a Medicare Advantage HMO Plan (HMO stands for Health Maintenance Organization) with a Point-of-Service (POS) option approved by Medicare and run by a private company. “Point-of-Service” means you can use providers outside the plan’s network for an additional cost.

Benefits & Features

To reveal Benefits & Features, select your county.

  • Food, OTC, Utilities

    $200 a month to buy healthy food and OTC products or pay utility bills

  • Prescription drug coverage

    $0 copay on covered generic and brand-name prescriptions including home delivery

  • Dental benefits

    Up to $1500 for covered types of preventive and comprehensive dental

For plan details and online enrollment, select your county

2023 UnitedHealthcare Dual Complete® Plan 2 (HMO-POS D-SNP) 2023 UnitedHealthcare Dual Complete® Plan 2 (HMO-POS D-SNP)

H3387-015-001

Monthly premium: $0.00*

* Your costs may be as low as $0, depending on your level of Medicaid eligibility.


This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).

This plan is a Medicare Advantage HMO Plan (HMO stands for Health Maintenance Organization) with a Point-of-Service (POS) option approved by Medicare and run by a private company. “Point-of-Service” means you can use providers outside the plan’s network for an additional cost.

Benefits & Features

To reveal Benefits & Features, select your county.

  • Food, OTC, Utilities

    $50 a month to buy healthy food and OTC products or pay utility bills

  • Prescription drug coverage

    $0 copay on covered generic and brand-name prescriptions including home delivery

  • Dental benefits

    Up to $1000 for covered types of preventive and comprehensive dental

For plan details and online enrollment, select your county

2023 UnitedHealthcare Dual Complete® Plan 2 (HMO-POS D-SNP) 2023 UnitedHealthcare Dual Complete® Plan 2 (HMO-POS D-SNP)

H3387-015-002

Monthly premium: $0.00*

* Your costs may be as low as $0, depending on your level of Medicaid eligibility.


This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).

This plan is a Medicare Advantage HMO Plan (HMO stands for Health Maintenance Organization) with a Point-of-Service (POS) option approved by Medicare and run by a private company. “Point-of-Service” means you can use providers outside the plan’s network for an additional cost.

Benefits & Features

To reveal Benefits & Features, select your county.

  • Food, OTC, Utilities

    $50 a month to buy healthy food and OTC products or pay utility bills

  • Prescription drug coverage

    $0 copay on covered generic and brand-name prescriptions including home delivery

  • Dental benefits

    Up to $1000 for covered types of preventive and comprehensive dental

For plan details and online enrollment, select your county

2023 UnitedHealthcare Dual Complete® Choice (PPO D-SNP) 2023 UnitedHealthcare Dual Complete® Choice (PPO D-SNP)

H0271-060-001

Monthly premium: $0.00*

* Your costs may be as low as $0, depending on your level of Medicaid eligibility. 


This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).

This is a Preferred Provider Organization (PPO) plan. You have access to a local network of doctors and hospitals. Plus, you can see any provider outside the network nationwide that participates in Medicare and accepts the plan. You may pay a higher copay or coinsurance when you see an out-of-network provider.

Benefits & Features

To reveal Benefits & Features, select your county.

  • Food, OTC, Utilities

    $150 a month to buy healthy food and OTC products or pay utility bills

  • Prescription drug coverage

    $0 copay on covered generic and brand-name prescriptions including home delivery

  • Dental benefits

    Up to $1000 for covered types of preventive and comprehensive dental

For plan details and online enrollment, select your county

2023 UnitedHealthcare Dual Complete® Choice (PPO D-SNP) 2023 UnitedHealthcare Dual Complete® Choice (PPO D-SNP)

H0271-060-002

Monthly premium: $0.00*

* Your costs may be as low as $0, depending on your level of Medicaid eligibility. 


This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).

This is a Preferred Provider Organization (PPO) plan. You have access to a local network of doctors and hospitals. Plus, you can see any provider outside the network nationwide that participates in Medicare and accepts the plan. You may pay a higher copay or coinsurance when you see an out-of-network provider.

Benefits & Features

To reveal Benefits & Features, select your county.

  • Food, OTC, Utilities

    $150 a month to buy healthy food and OTC products or pay utility bills

  • Prescription drug coverage

    $0 copay on covered generic and brand-name prescriptions including home delivery

  • Dental benefits

    Up to $1000 for covered types of preventive and comprehensive dental

For plan details and online enrollment, select your county

UnitedHealthcare Community Plan


The New York State Medicaid Managed Care Plan is offered through UnitedHealthcare Community Plan. It’s for New York State residents who meet the income or disability requirements.

Albany, Bronx, Broome, Cayuga, Chautauqua, Chemung, Chenango, Clinton, Columbia, Dutchess, Erie, Essex, Franklin, Fulton, Genesee, Greene, Herkimer, Jefferson, Kings, Lewis, Livingston, Madison, Monroe, Nassau, New York, Niagara, Oneida, Onondaga, Ontario, Orange, Orleans, Oswego, Queens, Rensselaer, Richmond, Rockland, Schenectady, Seneca, St. Lawrence, Suffolk, Tioga, Ulster, Warren, Wayne, Westchester, Wyoming, and Yates.

Benefits & Features

  • Choice of Doctor

    Use Doctor Lookup tool to see if your doctor is in our network or to find a new one.

  • Medicines

    Prescription drugs are covered with a small copay.

  • Dental Care

    We cover cleanings, checkups and dental work.

UnitedHealthcare Wellness4Me


The Wellness4me Plan is offered through UnitedHealthcare Community Plan. Wellness4Me is a Health and Recovery Plan, or HARP, approved by New York State. HARPs are a new kind of plan that provide Medicaid members with their health care, plus care for behavioral health, including Serious Mental Illness and Substance Use Disorders.

This plan is for New York residents age 21 and who qualify for Medicaid coverage.

Albany, Bronx, Broome, Cayuga, Chautauqua, Chemung, Chenango, Clinton, Columbia, Dutchess, Erie, Essex, Franklin, Fulton, Genesee, Greene, Herkimer, Jefferson, Kings, Lewis, Livingston, Madison, Monroe, Nassau, New York, Niagara, Oneida, Onondaga, Ontario, Orange, Orleans, Oswego, Queens, Rensselaer, Richmond, Rockland, Schenectady, Seneca, St. Lawrence, Suffolk, Tioga, Ulster, Warren, Wayne, Westchester, Wyoming, and Yates.

Benefits & Features

  • Choice of Doctor

    Use Doctor Lookup tool to see if your doctor is in our network or to find a new one.

  • Well Visits

    Regular checkups, eye and hearing exams plus care coordination and more.

  • Dental Care

    We pay for cleanings, checkups and dental work with no referrals.

Need help finding a plan?

Answer a few quick questions to see what type of plan may be a good fit for you.

Child Health Plus


The New York State Child Health Plus program from UnitedHealthcare Community Plan is for children up to age 19. Members must be residents of New York and are not eligible for Medicaid or enrolled in or access to NYSHIP benefits. You can choose your child’s doctor. And your child gets many services to stay healthy.

Albany, Bronx, Broome, Cayuga, Chautauqua, Chemung, Chenango, Clinton, Columbia, Dutchess, Erie, Essex, Fulton, Genesee, Herkimer, Jefferson, Kings, Lewis, Madison, Monroe, Nassau, New York, Niagara, Oneida, Onondaga, Ontario, Orange, Oswego, Queens, Rensselaer, Richmond, Rockland, Seneca, St. Lawrence, Suffolk, Tioga, Ulster, Warren, Wayne, and Westchester.

Benefits & Features

  • Choice of Doctor

    Use Doctor Lookup tool to see if your doctor is in our network or to find a new one.

  • Well Child Visits

    Preventive checkups and shots, plus eye and hearing exams.

  • Dental Care

    We cover cleanings, checkups and dental work.

Essential Plan


The Essential Plan is offered through UnitedHealthcare Community Plan. It's for lower income individuals in New York who meet the income or citizenship status requirements.

Starting June 1, 2021, there will be no monthly premium for Essential Plan coverage and all Essential Plan enrollees will have dental and vision benefits with no premium or cost sharing for covered services.

Albany, Bronx, Broome, Cayuga, Chautauqua, Chemung, Chenango, Clinton, Columbia, Dutchess, Erie, Essex, Franklin, Fulton, Genesee, Greene, Jefferson, Kings, Lewis, Livingston, Madison, Monroe, Nassau, New York, Niagara, Oneida, Onondaga, Ontario, Orange, Orleans, Oswego, Queens, Rensselaer, Richmond, Rockland, Saratoga, Schenectady, Seneca, St. Lawrence, Suffolk, Tioga, Ulster, Warren, Wayne, Westchester, Wyoming, and Yates.

Benefits & Features

  • Choice of Doctor

    Use Doctor Lookup tool to see if your doctor is in our network or to find a new one.

  • Medicines

    Prescription drugs are covered with a small copay.

  • Dental/Vision Care*

    See life more clearly with routine eye exams and glasses, if needed. We also cover cleanings, checkups and dental work.

To learn more about applying for health insurance, including Medicaid, Child Health Plus, Essential Plan, and Qualified Health Plans through NY State of Health, The Official Health Plan Marketplace, visit www.nystateofhealth.ny.gov or call 1-855-355-5777.