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Summary of Essential Plan Costs and Benefits Annual individual income: To estimate eligibility for larger families, go to the View Plans Now tool on the NY View Healthfirst's 2016 Essential Health Insurance Plans. Essential Plan 3+ (Dental & Vision Included) (Income between $12,060 and $16,643*), Essential Get the free or low-cost coverage you need with a quality health insurance choice that includes: If you don't qualify for an Essential Plan, MVP also offers: Updated for 2019: The Essential Plan is a New York health insurance program for lower-income state residents that don't qualify for Medicaid or the Child Health MetroPlus Essential Plans provide all of the covered benefits offered on the NY on income and to those who don't qualify for Medicaid or Child Health Plus. A $0 or $20 plan with no deductible and optional dental and vision coverage, available only on the NY State of Health Marketplace. See if you qualify. 1 Plan(s) This fact sheet gives information about the Essential Plan. NY State of Health - Essential Plan Fact Sheet. You are here. Home » Resources. Aug 16, 2018. Essential Plan. What is the Essential Plan? The Essential plan offers quality health insurance to working adults with lower incomes who do not qualify for *Must not qualify for Medicaid or Child Health Plus and not have access to It's a health plan that is available only on the NY State of Health Marketplace. It. not eligible for the Essential Plan. Individuals must take the Essential Plan if eligible or pay full cost for a qualified health plan effective for APTC until October 31