{"id":869127,"date":"2026-06-15T15:13:19","date_gmt":"2026-06-15T15:13:19","guid":{"rendered":"https:\/\/www.europesays.com\/us\/869127\/"},"modified":"2026-06-15T15:13:19","modified_gmt":"2026-06-15T15:13:19","slug":"ny-essential-plan-what-to-do-if-you-lose-health-care-on-july-1","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/us\/869127\/","title":{"rendered":"NY Essential Plan: What To Do If You Lose Health Care on July 1"},"content":{"rendered":"<p>Are you one of the hundreds of thousands New Yorkers impacted by the coverage cliff for Essential Plan users? Our social services reporter wants to hear from you. Email Jie Jenny Zou at\u00a0<a href=\"https:\/\/nysfocus.com\/2026\/06\/15\/mailto:jenny@nysfocus.com\" rel=\"nofollow noopener\" target=\"_blank\">jenny@nysfocus.com<\/a>.\u00a0<\/p>\n<p><strong>Understanding private insurance:<\/strong><\/p>\n<p>The terms used in private insurance can be confusing. Here are some brief definitions and resources:\u00a0<\/p>\n<p>A<strong> premium<\/strong> is the amount you must pay each month to keep your health care policy active, regardless of how often you use your insurance.<\/p>\n<p>A<strong> deductible<\/strong> is the annual amount you must spend out-of-pocket before your plan starts to pay for your care. For example, if your deductible is $1,000, you must first pay $1,000 for covered health care services before your plan starts to cover additional expenses.<\/p>\n<p>A<strong> copayment<\/strong> is<strong>\u00a0<\/strong>the fixed amount that you pay for a service both before and after you\u2019ve reached your deductible. For example, your plan may require a $30 copay for every specialist visit.<\/p>\n<p><strong>Coinsurance<\/strong> is the percentage of the costs of a service that you pay for after you\u2019ve reached your deductible. For example, if your coinsurance for emergency room visits is 20 percent, once you meet your annual deductible, your plan will pay for 80 percent of the visit.<\/p>\n<p><strong>An out-of-pocket maximum<\/strong> is the maximum amount you will pay any services and prescriptions in a year. Once you reach this limit, your plan will cover 100 percent of remaining expenses.<\/p>\n","protected":false},"excerpt":{"rendered":"Are you one of the hundreds of thousands New Yorkers impacted by the coverage cliff for Essential Plan&hellip;\n","protected":false},"author":3,"featured_media":869128,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[5122],"tags":[8161,5229,30040,210,409,405,403,17050,5226,5225,5228,5227,5681,67,586,132,5230,68,2969],"class_list":["post-869127","post","type-post","status-publish","format-standard","has-post-thumbnail","category-new-york","tag-affordability","tag-america","tag-explainers","tag-health","tag-immigration","tag-new-york","tag-new-york-city","tag-new-york-state","tag-newyork","tag-newyorkcity","tag-ny","tag-nyc","tag-social-services","tag-united-states","tag-united-states-of-america","tag-unitedstates","tag-unitedstatesofamerica","tag-us","tag-usa"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@us\/116754777320319002","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts\/869127","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/comments?post=869127"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts\/869127\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/media\/869128"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/media?parent=869127"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/categories?post=869127"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/tags?post=869127"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}