谁能申请

• 19–64 岁成人：月收入不超过 1人 $1,836、2人 $2,489、3人 $3,142、4人 $3,795、5人 $4,449、6人 $5,102（2026 年）
• 65 岁以上、失明或残障：单人月收入 $1,836、两人 $2,489 以下，资产单人 $33,038、两人 $44,796 以下
• 身份：公民、满 5 年的绿卡持有人、古巴/海地入境者等可获联邦白卡
• 没有身份的 65 岁以上长者、孕妇（含产后 12 个月内）和儿童，纽约州用州政府资金提供白卡或儿童保险。注意：2026 年 10 月 31 日起，在护理院住满 3 个月以上的无身份 65 岁以上长者改为只保紧急医疗
• DACA、PRUCOL 等身份按收入可获州资助白卡；绿卡未满 5 年的，可能由州资金覆盖，申请时请确认
• 其他没有身份的成人，符合收入和居住条件的可申请紧急白卡（急诊）

怎么申请（一步一步来）

1. 第1步先看你走哪条路：65 岁以下（包括孕妇、孩子、19–64 岁成人）向 NY State of Health（纽约州官方医保市场）申请；纽约市 65 岁以上、因残障或失明申请、或有 Medicare 而且没有未成年孩子的人，向 HRA（纽约市人力资源管理局）申请。纽约市以外的长者，向所在县的社会服务局（DSS）申请。
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、工作和收入情况、现有保险情况。再准备身份证明、收入证明（如最近 4 周工资单）、住址证明的复印件。65 岁以上还要准备银行等资产证明。
3. 第3步65 岁以下——网上申请：上 nystateofhealth.ny.gov，建立账户，按提示填写申请，最后提交。不会用电脑可以跳过这一步，用下面的电话或协助员。
4. 第4步65 岁以下——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）。听到英文录音后说 “Chinese, Mandarin please” 或 “Cantonese please”，要求免费中文翻译，请工作人员帮你在电话里填申请。
5. 第5步65 岁以下——找人当面帮你：在 NY State of Health 网站找 “Find Local Help”，找附近的协助员（assistor，经过培训的免费帮手）。他们在社区机构和医院，会讲多种语言，平日、晚上和周末都有，全部免费。
6. 第6步纽约市 65 岁以上——找 HRA：可以网上用 ACCESS HRA 申请；或打 HRA 热线 888-692-6116 要一份申请表寄到家；或亲自去 HRA 医疗保险办公室（Medicaid Office）。华人常去的华埠办公室：115 Chrystie Street 5 楼，电话 212-274-4719，周一至周五 9 点到 5 点。其他办公室地址在 HRA 网站上。
7. 第7步纽约市 65 岁以上——邮寄或传真：填好表后寄到 Initial Eligibility Unit, HRA/Medical Assistance Program, PO Box 24390, Brooklyn, NY 11202，或传真到 917-639-0732。只寄复印件，原件自己留着。
8. 第8步不用面谈：申请白卡不需要面谈（interview），寄表或交表就可以。你也可以主动去办公室或打电话请人帮你填表。
9. 第9步提交后马上记录：写下申请日期、你的账户号码（NY State of Health 的账户号码以 “AC” 开头），拍照或复印你交出去的所有文件。

需要准备的材料

• 身份证明（护照、绿卡等）
• 收入证明（工资单、雇主信、报税表）
• 住址证明
• 65 岁以上需要银行等资产证明

申请之后会怎样

• 多久有结果：你会收到书面通知（notice），告诉你批准、拒绝或要补交什么。向 HRA 或县社会服务局申请的，一般应在 45 天内决定；孕妇和 19 岁以下孩子 30 天内；需要审核残障的，最长 90 天。
• 要补材料：如果通知说缺材料，要在通知写的期限前交上（至少会给你 10 天）。NY State of Health 的可以登录账户上传，或用手机 App “NYSOH Mobile Upload” 拍照上传，也可以找协助员帮你。
• 批准之后：大多数人要选一家保险公司的计划（health plan）。选之前可以用纽约州的 “Provider & Health Plan Look-Up” 查你的医生在不在这个计划里。之后要用计划里的医生看病。
• 被拒绝或被减少怎么办：NY State of Health 的决定，从通知日期起 60 天内可以申请上诉（appeal），打 1-855-355-5777、邮寄或传真到 1-855-900-5557 都可以。HRA 或县社会服务局的决定，60 天内申请公平听证（fair hearing），打通知上写的电话，或打州政府听证热线 1-800-342-3334。
• 想在上诉期间不断保：如果你本来有白卡、现在要被停掉或减少，要在通知写的生效日期之前（或通知晚到时，在寄出日期后 10 天内）申请上诉，并要求“继续保留福利”（aid continuing）。
• 续保（renewal，定期重新确认资格）：快到期时会收到信、短信或电邮。网上登录后点 “Update Application”，或打电话、找协助员办理。2027 年 1 月 1 日起，19–64 岁成人大多改为每 6 个月续一次。如果没续上被停保，90 天内补交资料还可以申请恢复。

电话与网址

• NY State of Health（65岁以下）电话 1-855-355-5777nystateofhealth.ny.gov
• HRA 医疗保险热线（纽约市65岁以上）电话 888-692-6116www.nyc.gov/site/hra/help/public-health-insurance.page

Who can apply

• Adults 19–64: monthly income up to 1 person $1,836, 2 $2,489, 3 $3,142, 4 $3,795, 5 $4,449, 6 $5,102 (2026)
• 65+, blind or disabled: income up to $1,836 (1) or $2,489 (2) a month; assets up to $33,038 (1) or $44,796 (2)
• Status: citizens, green card holders past the 5-year wait, Cuban/Haitian entrants and some others get federal Medicaid
• Undocumented people 65+, pregnant people (up to 12 months after birth) and children get state-funded coverage in New York. Note: from Oct 31, 2026, undocumented people 65+ in a nursing home for 3+ months are limited to emergency coverage
• DACA and PRUCOL may get state-funded Medicaid based on income; green card holders under 5 years may be covered by state funds, so ask when you apply
• Other undocumented adults who meet income and residency rules can get Emergency Medicaid

How to apply, step by step

1. Step 1First, find your route: under 65 (including pregnant people, children and adults 19–64) apply through NY State of Health (New York's official health marketplace). In NYC, people 65+, people applying because of disability or blindness, and people on Medicare without minor children apply through HRA (NYC Human Resources Administration). Seniors outside NYC apply at their county Department of Social Services (DSS).
2. Step 2Get your information ready: each family member's birth date, Social Security number (SSN) or immigration document number, job and income details, and current insurance. Also have copies of ID, proof of income (such as the last 4 weeks of pay stubs) and proof of address. If you are 65+, also bring proof of assets such as bank statements.
3. Step 3Under 65 – apply online: go to nystateofhealth.ny.gov, create an account, follow the steps and submit. If you don't use a computer, skip this and use the phone or a helper below.
4. Step 4Under 65 – apply by phone: call 1-855-355-5777 (Mon–Fri 8am–8pm, Sat 9am–1pm). After the English recording, say "Chinese, Mandarin please" or "Cantonese please" to get a free interpreter, and ask the worker to fill out the application with you on the phone.
5. Step 5Under 65 – get in-person help: on the NY State of Health website, use "Find Local Help" to find an assistor (a trained, free helper) near you. They work at community groups and hospitals, speak many languages, have weekday, evening and weekend hours, and all help is free.
6. Step 6NYC, 65+ – go through HRA: apply online with ACCESS HRA; or call the HRA Helpline at 888-692-6116 to get an application mailed to you; or go in person to an HRA Medicaid Office. The Chinatown office is at 115 Chrystie Street, 5th Floor, phone 212-274-4719, Mon–Fri 9am–5pm. Other office addresses are on the HRA website.
7. Step 7NYC, 65+ – mail or fax: send the completed form to Initial Eligibility Unit, HRA/Medical Assistance Program, PO Box 24390, Brooklyn, NY 11202, or fax it to 917-639-0732. Send copies only and keep the originals.
8. Step 8No interview needed: Medicaid does not require an interview. You can just mail or drop off the form. You can still go to an office or call if you want someone to help you fill it out.
9. Step 9Write things down right away: note the date you applied and your account number (NY State of Health account numbers start with "AC"), and photograph or copy every document you hand in.

Documents to prepare

• ID (passport, green card, etc.)
• Proof of income (pay stubs, employer letter, tax return)
• Proof of address
• For 65+, proof of assets such as bank statements

After you apply

• How long it takes: you will get a written notice saying you are approved, denied, or need to send more papers. If you applied through HRA or your county DSS, a decision is generally due within 45 days; within 30 days for pregnant people and children under 19; up to 90 days if a disability review is needed.
• If they ask for more papers: send them by the deadline in the notice (you get at least 10 days). With NY State of Health, you can log in and upload them, use the phone app "NYSOH Mobile Upload" to take a photo, or ask an assistor to help.
• After you are approved: most people need to pick a health plan from an insurance company. Before you choose, use New York's "Provider & Health Plan Look-Up" to check whether your doctor is in the plan. After that, you see doctors in your plan.
• If you are denied or your coverage is cut: for a NY State of Health decision, you can appeal within 60 days of the notice date by calling 1-855-355-5777, by mail, or by fax to 1-855-900-5557. For an HRA or county DSS decision, ask for a fair hearing within 60 days, using the phone number on your notice or the state hearing line at 1-800-342-3334.
• To keep coverage during an appeal: if you already have Medicaid and it is being stopped or cut, appeal before the effective date on the notice (or within 10 days of the mailing date if the notice came late) and ask to keep your benefits ("aid continuing").
• Renewal (checking again that you still qualify): before it is due you will get a letter, text or email. Log in and click "Update Application", or call or see an assistor. From January 1, 2027, most adults 19–64 renew every 6 months. If your coverage ends because you missed it, you have 90 days to send the information and ask to have it restored.

Phone & websites

• NY State of Health (under 65)Phone 1-855-355-5777nystateofhealth.ny.gov
• HRA helpline (NYC 65+)Phone 888-692-6116www.nyc.gov/site/hra/help/public-health-insurance.page