Fidelis Care, which insures many St. Lawrence County residents, has updated income guidelines for the Essential Plan through NY State of Health, which are adjusted to reflect changes in the federal poverty level.

Fidelis Care is a statewide health plan with more than 2.4 million members in New York State.

The federal poverty level determines income eligibility for public health insurance programs in New York State, including the Essential Plan. The Essential Plan aims to bridge the gap for those who may not qualify for Medicaid Managed Care but still need access to quality, low-cost health insurance.

2025 Income Guidelines for the Essential Plan

• Individuals: Maximum Yearly Income $39,125
• Household of 2: Maximum Yearly Income $52,875
• Household of 3: Maximum Yearly Income $66,625
• Household of 4: Maximum Yearly Income $80,375

The Essential Plan is designed to help individuals and families who fall into particular income categories, providing them with essential health benefits, including a $0 monthly premium, no deductible, low out of pocket costs, dental and vision coverage with $0 copay, and free preventive care.

In addition to those benefits, the Essential Plan offered by Fidelis Care includes a fitness reimbursement program, a variety of healthcare resources, and access to the plan’s statewide network of high-quality providers.

With the adjusted income guidelines, access to the Essential Plan will increase for low- and moderate-income individuals. Fidelis Care representatives are available across the state to support New Yorkers with detailed information on how the Essential Plan can meet their healthcare needs. Enrollment in the Essential Plan is available year-round.

For more information about the Essential Plan, visit https://www.fideliscare.org/essential-plan.