EmblemHealth's Essential Plan is a no-deductible HMO plan with a $0 monthly premium. There are five versions of this plan, and eligibility depends on income and other factors. The Essential Plan is available at any time of year, but only if you enroll on the NY State of Health Marketplace. All Essential Plans offer adult vision and dental coverage.
Who's eligible: Qualifying adult individuals age 19 to 64 (there is no family plan) living within the five New York City boroughs, Nassau, Suffolk, and Westchester.
Benefits, premiums (monthly cost), and out-of-pocket costs: All five versions of the Essential Plan include all the essential health benefits, but at different out-of-pocket costs. For benefits, view plan documents below.
Financial assistance: Cost savings are built into these plans through a premium of $0, no deductible, and copays as low as $0. No tax credits or additional financial assistance is offered with this plan.