Essential Plan NYS Inquiry
I’ve been enrolled in the Essential Plan through Fidelis for several years as a single household. I recently started a seasonal job where I’ll be earning around $37-38k, but the season typically wraps up by late October or early November, coinciding with my insurance renewal date. Last year, my income was only $22k, so I’m uncertain whether they’ll base my eligibility on last year’s earnings or my current income up until renewal. I’m worried about potentially losing my coverage since my job doesn’t currently offer health insurance. However, I believe I might qualify for partial unemployment after the season ends. Can I communicate this to NYS and maintain my health insurance coverage?
It sounds like you have some valid concerns about your health insurance coverage with the changes in your income due to your seasonal job. The Essential Plan is designed for low-income residents, and eligibility is typically based on the income reported when you apply for or renew your coverage.
In your case, since you have a significant income increase this year, it’s important to communicate your situation clearly. Generally, the state will consider your income for the upcoming year when determining your eligibility for health insurance, not just your previous year’s income. However, because your job is seasonal and your income will drop once the season ends, you can provide that context when discussing your situation with NYS Medicaid or your insurance provider.
Here are some steps you can take:
Report Changes: As soon as you start your new job and you have a good estimate of your income, report this change to NYS. They can provide guidance on how this may affect your coverage.
Document Your Situation: Be prepared to explain your seasonal employment and the fact that your income will decrease after the season ends. This information might help your case and clarify that you’re in a temporary situation.
Explore Options: After your season ends and if your income drops significantly again, you might still qualify for the Essential Plan or have other options for coverage. Make sure to check in with the state or a health insurance navigator for advice based on your specific circumstances.
Discuss Unemployment Benefits: If you qualify for partial unemployment benefits after your job ends, keep records of this. It will be helpful if you need to explain changes in your income to NYS.
Reaching out to NYS or a health insurance navigator directly for personalized advice and guidance based on your specific situation would be really beneficial. They can help clarify how your income changes affect your health insurance eligibility and coverage. Good luck!