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Health Insurance Benefits Launched in New York: Who and How They Help Save


Lyudmila Balabay

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Effective June 1, New York State began to automatically apply the American Rescue Plan's health insurance benefits (“American Rescue Plan“). They apply to all NY State of Health registered residents of the state, regardless of income level.

As explained in the insurance company Fidelis careThe benefits are in the form of a medicine tax credit, which is available even to high-income New Yorkers. In April-May, NY State of Health clients with low and middle incomes could apply for a loan; from June 1, it is automatically applied to all insured through this system.

How the program works

People who have previously purchased insurance can receive larger tax breaks. Low- and middle-income people (up to $ 51 per person and $ 040 for a family of four) who were previously eligible for tax health benefits are now eligible for higher amounts of those benefits.

The amount of tax credits depends on income and place of residence. For example, a person with an income of $ 35 per year in New York City was previously eligible for a tax credit of $ 000 per month or $ 359 per year, and will now receive a tax credit of $ 4 per month or $ 308 per year.

The law is designed so that no one pays more than 8,5% of their income for health insurance.

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NY State of Health sends new tax credit letters to clients. Follow the instructions in the letter to tell the agency how much you want to apply to your monthly premiums. The changes will take effect on the first day of the next month.

Specialists can help with choosing an insurance plan, as well as explain innovations. insurance company Fidelis care, consultation in Russian is possible. Phone: (347) 642-2993, e-mail:

You can make changes and get additional information by entering your file on NY State of Health either by contacting an insurance professional or by calling NY State of Health at 1-855-355-5777.

What to do if you are not a NY State of Health customer

Financial aid rules have changed. More benefits are now available to people with different income levels. However, the American Rescue Plan only applies to those who purchase coverage through NY State of Health.

If you were previously eligible for financial assistance, American Rescue Plan has increased the amount. And if you were previously not eligible for financial assistance, then perhaps you can now get it.

Check how much you are spending on health insurance, and if this is more than 8,5% of your annual income, then purchase an insurance plan through NY State of Health and receive the required benefits for the part of payments that exceeds 8,5% of your income. If your health insurance costs are more than 8,5% of your income, then you are eligible for benefits, regardless of your total income.

There are three ways to buy a plan for NY State of Health:

  1. Apply through the website
  2. Call the Customer Service Center at 1-855-355-5777.
  3. Contact an insurance specialist. You can find it on the website or contact Fidelis care to find the most suitable plan for you. Telephone: (347) 642-2993, e-mail:

Separate benefits for recipients of unemployment benefits

If you were eligible for unemployment benefits for at least one week in 2021, the American Bailout Plan allows you to sign up for an almost free health insurance plan through NY State of Health with coverage for the entire 2021. After purchasing this plan, you are not eligible for other concessional health insurance coverage such as Medicaid, Medicare, or employer sponsored.

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Instructions on how to apply for these plans are available at NYC Department of Health website.

You can find out more about preferential insurance plans in New York by contacting insurance company Fidelis care, consultation in Russian is possible. Phone: (347) 642-2993, e-mail:

Material prepared in partnership with

Fidelis care

Mobile: 1-888-FIDELIS (1-888-343-3547)

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