Learn About Free and Low-Cost Health Insurance Options
MVP offers more free and low-cost health plan choices for individuals and families. Our high-quality, affordable health coverage options include:
Medicaid Managed Care
A health insurance program for low-income children and adults. Eligibility is based on income and family size, as well as citizenship and immigration status. Medicaid is also available to people of any age who are blind or disabled. There are no monthly premiums for Medicaid.
MVP Harmonious Health Care Plan
A managed care product that combines physical health, mental health, and substance use services in an integrated way, helping members find housing, live independently, get an education, find a job, manage stress, and more. Eligibility for services is determined by New York State.
Harmonious Health Care Plan members can take advantage of our Health Home Services Program. This includes optional, free services that help Harmonious Health Care Plan members coordinate their physical, mental, and social health care. It is a group of medical/behavioral health care providers and community-based service professionals working together to ensure our members are getting care that supports all aspects of their health.
Child Health Plus
A health plan for kids who don’t qualify for Medicaid. Almost all children, under age 19, qualify for health coverage with Child Health Plus regardless of family income or immigration status. Depending on income, a small monthly premium may be all that is needed to enroll a child.
Available to low- and moderate-income New York State residents who do not qualify for Medicaid Managed Care or Child Health Plus. The Essential Plan offers the same essential benefits as other health plans, and has a $0 monthly premium.
More low-cost plan options
If you do not qualify for a Medicaid Health Plan, you can enroll year round on NY State of Health, The Official Health Plan Marketplace. Over 80% of those enrolled in NYSOH Marketplace health plans are eligible for financial assistance. Use our plan finder to see what you might qualify for.
Frequently asked questions
Find answers to some of the most frequently asked questions about our free or low-cost health insurance options.
Call our Member Services/Customer Care Center at 1-800-852-7826 (TTY: 711), Monday through Friday, between 8 am and 6 pm, and learn more about what specific options might be right for you and your family.