谁能申请

• 19–64 岁
• 收入在联邦贫困线 200% 以内，且不符合白卡
• 合法居留的移民（目前包括绿卡、难民、庇护等；2027 年起可能改变，见上方）
• 没有身份的成人不符合（可看《NYC Care》）

怎么申请（一步一步来）

1. 第1步先估一下收入：2026 年，家庭年收入在这些数字以下可以考虑 Essential Plan：1 人 $31,920、2 人 $43,280、3 人 $54,640、4 人 $66,000。收入更低的，系统可能会直接判你符合白卡。
2. 第2步准备资料：每个家人的出生日期、社安号（SSN）或移民文件号码（如绿卡号码）、工作和收入情况、有没有雇主保险。
3. 第3步网上申请：上 nystateofhealth.ny.gov，建立账户，填写申请，提交。同一份申请会一起看你适合白卡、Essential Plan 还是别的计划。
4. 第4步电话申请：打 1-855-355-5777（周一至周五早 8 点到晚 8 点，周六早 9 点到下午 1 点）。说 “Chinese, Mandarin please” 或 “Cantonese please”，要免费中文翻译，请工作人员帮你填。
5. 第5步找人当面帮：在网站上点 “Find Local Help” 找附近的协助员（assistor）或经纪人（broker），免费，会讲多种语言。
6. 第6步全年都可以申请，不用等开放期（Open Enrollment）。
7. 第7步选计划：符合资格后，要选一家保险公司的计划。可以用 “Plans by County” 看你住的县有哪些计划，用 “Provider & Health Plan Look-Up” 查你的医生在不在里面。保费是 $0，年度自付额（deductible）也是 $0。
8. 第8步提交后记下：申请日期和账户号码（以 “AC” 开头），保存所有通知。

申请之后会怎样

• 结果通知：你会收到通知，也会放在你的网上账户里，告诉你符合哪个计划，或要补交什么材料。
• 补交材料：按通知上的期限交。可以登录账户上传，或用手机 App “NYSOH Mobile Upload” 拍照上传，或找协助员帮忙。
• 被拒绝怎么办：从通知日期起 60 天内可以上诉（appeal）。打 1-855-355-5777，或邮寄到 NY State of Health, Appeals Unit, P.O. Box 11729, Albany, NY 12211，或传真 1-855-900-5557，或登录账户上传上诉表（DOH-5231）。上诉时可以同时要求继续保留现有保险。一般上诉大约 90 天有结果；病情紧急的可以附医生信要求加快。
• 收入或家庭有变化：要主动更新，网上登录、打电话或找协助员都可以。
• 续保：快到期会收到信、短信或电邮。登录后点 “Update Application”，或打电话、找协助员办理。没收到通知也要留意自己的到期日（登录后在 “Plans” 一栏可以看到）。

电话与网址

• NY State of Health电话 1-855-355-5777nystateofhealth.ny.gov

Who can apply

• Ages 19–64
• Income up to 200% of poverty and not Medicaid-eligible
• Lawfully present immigrants (currently including green card holders, refugees and asylees; this may change in 2027, see above)
• Undocumented adults are not eligible (see NYC Care)

How to apply, step by step

1. Step 1Check your income first: in 2026 you may qualify if yearly household income is under: 1 person $31,920, 2 people $43,280, 3 people $54,640, 4 people $66,000. If your income is lower, the system may find you eligible for Medicaid instead.
2. Step 2Get your information ready: each family member's birth date, Social Security number (SSN) or immigration document number (such as a green card number), job and income details, and whether you have job-based insurance.
3. Step 3Apply online: go to nystateofhealth.ny.gov, create an account, fill out the application and submit. One application checks you for Medicaid, the Essential Plan and other plans at the same time.
4. Step 4Apply by phone: call 1-855-355-5777 (Mon–Fri 8am–8pm, Sat 9am–1pm). Say "Chinese, Mandarin please" or "Cantonese please" for a free interpreter and ask the worker to fill it out with you.
5. Step 5Get in-person help: on the website, click "Find Local Help" to find an assistor or broker near you. It's free and they speak many languages.
6. Step 6You can apply any time of year; you don't have to wait for Open Enrollment.
7. Step 7Pick a plan: once you qualify, choose a plan from an insurance company. Use "Plans by County" to see plans where you live and "Provider & Health Plan Look-Up" to check if your doctor is in it. The premium is $0 and the yearly deductible is $0.
8. Step 8After you submit, write down the date and your account number (it starts with "AC"), and keep every notice.

After you apply

• Your result: you get a notice, also posted in your online account, telling you which program you qualify for or what papers to send.
• Sending papers: send them by the deadline on the notice. Log in and upload them, use the phone app "NYSOH Mobile Upload" to take a photo, or ask an assistor.
• If you are denied: you can appeal within 60 days of the notice date. Call 1-855-355-5777, mail NY State of Health, Appeals Unit, P.O. Box 11729, Albany, NY 12211, fax 1-855-900-5557, or upload the appeal form (DOH-5231) in your account. When you appeal you can also ask to keep your current coverage. A regular appeal takes about 90 days; if your health can't wait, include a doctor's note and ask for a fast-track appeal.
• If your income or family changes: update it yourself online, by phone, or with an assistor.
• Renewal: before it is due you'll get a letter, text or email. Log in and click "Update Application", or call or see an assistor. Even without a notice, watch your end date (log in and look under the "Plans" tab).

Phone & websites

• NY State of HealthPhone 1-855-355-5777nystateofhealth.ny.gov