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Univera Healthcare
For help understanding your options, call us at
1-888-669-3911 (TTY 711)

 

We are right here
to help you.
 

We are right here to help you.
 

You should have received a letter from NY State of Health📄. It says your Essential Plan coverage will end on June 30, 2026.

We know this news may be hard to hear. You may feel worried or unsure about what to do next. If you have depended on this coverage, this change can feel stressful.

You are not alone. We are here to help you understand what is changing and what options you may have.

We are right here to help you.
 

You should have received a letter from NY State of Health📄. It says your Essential Plan coverage will end on June 30, 2026.

We know this news may be hard to hear. You may feel worried or unsure about what to do next. If you have depended on this coverage, this change can feel stressful.

You are not alone. We are here to help you understand what is changing and what options you may have.

What is changing?

Everyone’s situation is different. Based on your income and family size, you may be able to get:
If you are enrolled in Essential Plan 200-250
  • Your Essential Plan coverage will end on June 30, 2026.
  • This change is due to a change in federal law
  • This change affects people across New York state
If you are enrolled in Essential Plan 200-250
  • Your Essential Plan coverage will end on June 30, 2026.
  • This change is due to a change in federal law
  • This change affects people across New York state
If you are pregnant or were pregnant in the last 12 months

You may be able to:

NY State of Health will decide what you qualify for based on your immigration status. We can help explain what this means for you.

If you are enrolled in Essential Plan 200-250
  • Your Essential Plan coverage will end on June 30, 2026
  • This change is due to a change in federal law
  • This change affects people across New York state
If you are pregnant or were pregnant in the last 12 months

You may be able to:

NY State of Health will decide what you qualify for based on your immigration status. We can help explain what this means for you.

Learn about your options

Everyone’s situation is different. Based on your income and family size, you may be able to get:

A Qualified Health Plan (QHP) through NY State of Health with possible financial help

Compare Individual PlansOpens in a new window.

Medicaid, including pregnancy or postpartum coverage

Learn MoreOpens in a new window.

Health insurance through your job if your employer offers it

There is no requirement to enroll in a plan with us. We are here to help you understand your choices so you can decide what is best for you.

What to do before June 30, 2026

Make sure NY State of Health has your correct address and phone number.

If you are enrolled with a broker, Marketplace Facilitated Enroller, an IPA Navigator, a certified application counselor or though the NY State of Health Marketplace, you can enroll in new coverage online, in person or by phone.
✔If you are enrolled with a broker, Marketplace Facilitated Enroller, an IPA Navigator, a certified application counselor or though the NY State of Health Marketplace, you can enroll in new coverage online, in person or by phone.

Use your current coverage for free preventive care, like:

  • Checkups
  • Screenings
  • Vaccines
  • Dental cleanings
  • Eye exams

✔Use your current coverage for free preventive care, like:

  • Checkups
  • Screenings
  • Vaccines
  • Dental cleanings
  • Eye exams
Contact us at 1-888-291-6868 (TTY 711) if you want help understanding your options. Please do not call the number on the back of your card.
✔Contact us at 1-888-291-6868 (TTY 711) if you want help understanding your options. Please do not call the number on the back of your card.

What to do after June 30, 2026

You will have 60 days after your coverage ends to sign up for new coverage
✔You will have 60 days after your coverage ends to sign up for new coverage

If you miss that time, the next chance to enroll is Open Enrollment starting November 1, 2026 ​

✔If you miss that time, the next chance to enroll is Open Enrollment starting November 1, 2026 ​

You may be able to enroll sooner if you have a life change, like pregnancy or getting married or divorced.
✔You may be able to enroll sooner if you have a life change, like pregnancy or getting married or divorced.

We are right here for you when you are ready to talk

You do not have to go through this alone. Our team can help you:

  • Understand letters from NY State of Health
  • Know important dates and deadlines
  • See if you qualify for financial assistance to lower your monthly premium
  • Enroll in a new plan
  • Answer questions about pregnancy, Medicaid or other plans

You can meet by phone, online, or in person in some areas.

We know this is a difficult change. We care about helping you understand what comes next. When you are ready, we are here to answer questions, explain your options, and support you in any way we can.


Call

1-800-291-6868 (TTY 711)

Email

to schedule an appointment with one of our Facilitated Enrollers (virtual or in person in select counties).

Visit

Stop by an Univera Healthcare Resource Center (where available)

Common Questions & Helpful Resources

Why is my Essential Plan coverage ending?

NY State of Health is ending the Essential Plan 200–250 on July 1, 2026, because of changes to federal law.

Should I call Univera Healthcare with questions?

Yes. Please do not call the number on your ID card. Call our dedicated number instead: 1-888-291-8668 (TTY 711).

Our agents can help you:

  • Choose a new health plan
  • Set up a virtual or in person appointment with a Facilitated Enroller (available in select counties)

Will my benefits change when I switch to a QHP?

Yes, there will be some changes.

  • Non-standard QHPs include coverage for adult vision exams, eyewear and preventive and routine dental
  • Standard QHPs do not include dental or vision coverage
  • One of our stand-alone dental plans can complement a standard QHP

Will I have a deductible with a QHP?

Yes, but it will be lower for 2026.

  • Your deductible and out-of-pocket maximum will be prorated
  • You will only pay for July–December, not the full year
  • Cost sharing limits reset, but at half-year amounts

I already paid toward my out-of-pocket maximum. Do I lose that?

Not necessarily.

  • If you choose a QHP with Univera Healthcare, costs you paid from January 1–June 30, 2026, can carry over
  • This helps you avoid starting over, especially if you are in treatment

Will I get help paying my monthly premium?

Most former Essential Plan 200–250 members should qualify for tax credits that significantly lower monthly premiums.

What if I cannot afford a QHP?

We understand this can be difficult. If your employer offers health insurance, that may be an option. Contact your employer to learn more.

What if I did not get a notice that my coverage is ending?

Call NY State of Health to confirm your contact information:

  • 1-855-355-5777
  • TTY: 1-800-662-1220

Important notes:

  • Members who enrolled after April 1, 2026, may not receive a notice

What if I moved?

You must update your address with NY State of Health. Essential Plan mail cannot be forwarded. If your address is not current, you may miss important notices.

I missed the deadline and lost coverage. What can I do?

You will need to wait for Open Enrollment, starting November 1, 2026, with coverage beginning January 1,2027.

You may be able to enroll sooner if you have a qualifying life event, such as:

  • Pregnancy or having a baby
  • Marriage or divorce
  • Moving
  • Losing employer coverage
  • Aging off a parent’s plan

If I am working, can I get insurance through my job?

Possibly. Many employers offer health insurance. Contact your employer to check your options

What if I am a DACA (Deferred Action for Childhood Arrivals) enrollee?

Pregnant DACA members will move to Medicaid. Non pregnant DACA members will no longer qualify for NY State of Health coverage unless they qualify for Medicaid by income. Contact us at 1-888-291-8668 (TTY711) for help checking eligibility.

What if I am pregnant and have a Postpartum Save Date (PPSD)?

NY State of Health will keep your Essential Plan coverage. Coverage lasts through the end of your PPSD, if your due date is within 6 months. You may still choose to switch to Medicaid.

What if I am pregnant and my due date is more than 6 months away?

NY State of Health will transition you to Medicaid coverage.

Updating your information at NY State of Health

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