Each tool does one piece of arithmetic New York’s programs and laws already define, with the 2026 figures we check against the state’s own sources. They run in your browser: nothing you type is sent or stored. None of them is a decision; the application is, and every tool links to how to apply.
Which tool to start with
| Your situation | Start here |
|---|---|
| You don’t know which program you can get | Which program fits me? |
| A hospital bill you can’t pay | Free hospital care calculator, then bill reduction |
| A hospital set up a payment plan | Payment plan cap: 5% of income |
| A raise or a new job is coming | Coverage cliffs: find your step |
| You are on Medicare with a modest income | Medicare Savings Program calculator |
| You are 19 to 64 on Medicaid | 2027 work requirement checker |
| You want the raw numbers | 2026 income limits by household size |
| You want your percentage of the poverty level | Federal poverty level chart, 100% to 400% |
| You are shopping for 2027 coverage | NY premium estimator: Medicaid, Essential Plan or marketplace |
| You joined Medicare drug coverage late | Part D late enrollment penalty calculator |
Questions people ask
Are these calculators free?
Yes. Every tool on NYC Med News is free, needs no account and runs in your browser; nothing you enter is sent or stored.
Can a calculator tell me if I’m approved?
No. The tools apply the published 2026 thresholds. Programs and hospitals decide on a real application, which can count income differently, so apply even if a result is close to a line.
Where do the numbers come from?
From the 2026 federal poverty guidelines and the thresholds that NY State of Health, the state Department of Health and New York law publish. Each tool page lists its sources with the date we checked them.
More in NYC Med News
- Getting Care in Harlem: A Denial Is the First Answer, Not the Last One — Claim denied? In Harlem and across New York, the plan's internal appeal comes first, then an external appeal to a reviewer who does not work for your insurer.
- Getting Care in East Harlem: The Program Sets the Benefits, Your Plan Sets the Doctors — On Medicaid in East Harlem? Your managed care plan, not the program, decides which doctors you can see. If one was assigned to you, you can change it.
- Getting Care on the Lower East Side: Medicare and Medicaid Work Together, Not Instead of Each Other — Have both Medicare and Medicaid on the Lower East Side? Medicare pays first, Medicaid pays what it leaves, and long-term care at home is paid by Medicaid.
This page explains how the system works. It is not medical advice. More.