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Essential Plan

CDPHP Essential Plans come with:

CDPHP Essential Plan Extra Benefits

Individuals may qualify if they are 19 to 64 years of age, a New York state resident, do not already have health insurance, and are not eligible for Medicaid.

Household size Most you can make
1 person $24,280
2 people $32,920
3 people $41,560
4 people $50,200

This chart is a general overview of eligibility for the Essential Plan. To find out exactly what you qualify for, call 1-866-MyCDPHP (1-866-692-3747).

The Essential Plan is available in 16 counties within the CDPHP service area: Albany, Broome, Clinton, Columbia, Essex, Franklin, Fulton, Greene, Montgomery, Rensselaer, Saratoga, Schenectady, Schoharie, Tioga, Warren, and Washington.

Depending on income level, the premium (monthly cost) is either $0 or $20 per person. None of the plans include a deductible, meaning you will only pay a copay or coinsurance for medical services and prescription drugs.

All cost details for each plan can be found here.


Glossary of health coverage and medical terms

Fair Health


Get Started Now

Call 1-866-MyCDPHP (1-866-692-3747) and select Option 3 or fill out this form and a CDPHP representative will contact you:

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