Iris Delgado
Recent work
What Changed for 2027 Coverage in New York: Rates, Credits, Eligibility
What changed for 2027 coverage in New York: approved rates, expired tax credits, the Essential Plan cutback, immigrant limits and Medicaid work rules.
What Changed in New York Health Coverage This Summer
Four changes moved this year in New York health coverage — and one thing that did not. A short roundup with the source for each.
Medicaid Work Requirements in New York, 2027: Who Must Report 80 Hours and Who Is Exempt
From 2027, many Medicaid adults 19 to 64 must show 80 hours a month or an exemption. Letters by September 30, checks from March renewals. What to do now.
Immigration Status and Medical Care in New York: What Is Protected
What immigration status does and does not affect when you seek care in New York — emergency treatment, hospital financial assistance, NYC Care, and what hospitals ask.
The Essential Plan 200–250 Tier Ended: Your Options Now
The Essential Plan's 200–250% income band was eliminated on July 1, 2026. What replaced it, what it costs, and how to check you were placed in the right plan.
Having Medicare and Medicaid Together in New York
Dual eligibility is not a paperwork error: Medicaid covers premiums, cost sharing and the long-term care Medicare never pays for. How to get the second one.
Lawfully Present Immigrants and Health Coverage in 2026–2027: What Ends, What Stays Open
From October 2026 and January 2027, federal law narrows coverage for many lawfully present immigrants. What New York keeps with state money, and what ends.
Buying Coverage on NY State of Health: A Walkthrough
How New York's marketplace works: what one application decides, how premium tax credits get paid in advance, and how they settle when you file taxes.
Free and Low-Cost Health Coverage in New York City
Every program in New York City that costs nothing or close to it: Medicaid, the Essential Plan, Child Health Plus, NYC Care, health centers and hospital aid.
Medicare Advantage vs Original Medicare in New York: The Decision, Not the Ads
What actually differs between Original Medicare with a supplement and a Medicare Advantage plan: networks, referrals, the cap on your costs, drug coverage, and the New York rule that lets you buy a supplement at any time.
Your Medicare Annual Notice of Change: The Four Lines to Check Before December 7
Your Medicare plan's Annual Notice of Change arrives by September 30. The four lines that decide whether to act before December 7, and what to do with each.
Your Medicare Advantage Plan Is Leaving: What the October Letter Means in New York
A non-renewal letter means your Medicare plan ends December 31. The window runs to the end of February, and in New York a supplement is open to you anyway.