Essential Plan NYS Inquiry
I’ve been enrolled in the Essential Plan through Fidelis for several years now as a single household. I’m about to start a seasonal job that will pay me around $37-38k, but the season wraps up around late October or November, which coincides with my insurance renewal period. Last year, I earned only $22k, so I’m uncertain whether my eligibility will be evaluated based on that income or my current one leading up to renewal. I’m really anxious about possibly losing my coverage; my new job doesn’t provide health insurance yet. However, I think I might qualify for partial unemployment once the season ends. Can I explain this situation to NYS and still maintain my health insurance coverage?
It sounds like you have some concerns about your health insurance coverage with the Essential Plan as your income changes. In New York State, the Essential Plan is designed to accommodate fluctuations in income, especially for seasonal workers.
Typically, eligibility for the Essential Plan is based on your projected annual income. Since your income will significantly increase this year, it’s important to report your new income to New York State as your circumstances change. However, you should also explain your situation and that your job is seasonal, which means your income may decrease after the season ends.
When you renew your coverage, provide detailed information regarding your expected income for the year and your seasonal employment, as well as your potential eligibility for partial unemployment benefits after the job ends. This may help clarify your situation to the state.
Additionally, you can reach out directly to your health insurance provider (Fidelis) or the New York State of Health for guidance and to understand how your specific situation may affect your eligibility for the Essential Plan. It’s always best to keep them informed about your income changes to avoid any interruptions in your coverage.