If you live in New York, you may be able to get assistance with your health care costs through a Medicare Savings Program (MSP). MSPs help pay your Medicare costs if you have limited income and can save you over $8,000 each year.
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Get Help Applying for Medicare Cost-Savings Programs
If you live in New York, the Medicare Rights Center can help you enroll in various Medicare cost-savings programs. Please answer a few questions to see if we can connect you with a trained benefits enrollment counselor.
Contact your local State Health Insurance Assistance Program
Each state offers a SHIP, partly funded by the federal government, to give you free counseling and assistance. A SHIP counselor may be available by phone or in person.
Visit www.shiptacenter.org to find your local SHIP office.
Contact your local State Health Insurance Assistance Program
Based on the information you provided, you do not appear to be eligible for Medicare cost-saving programs.
[glossary_exclude]Each state offers a State Health Insurance Assistance Program (SHIP), partly funded by the federal government, to give you free counseling and assistance. A SHIP counselor may be available by phone or in person.[/glossary_exclude]
Visit www.shiptacenter.org to find your local SHIP office.
You are on your way!
A trained counselor from the Medicare Rights Center will be in touch soon to discuss your options.
Click here to learn more about the various Medicare cost-savings programs.
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The table below includes the eligibility limits for the MSP in 2025.
| 2025 New York gross monthly income limits | ||
|---|---|---|
Program |
Individuals |
Couples |
QI |
$2,446 |
$3,299 |
QMB |
$1,820 |
$2,453 |
These limits are based on the 2025 federal poverty level (FPL) The Federal Poverty Level (FPL) is the federally set measure of income that is used to determine eligibility for certain programs, including Extra Help and some Medicaid programs. The FPL changes every year and varies depending on the number of people in your household. It is higher in Alaska and Hawaii. and include a standard $20 disregard. In 2023, the QMB limit increased from 100% FPL to 138% FPL. SLMB has been eliminated. QI increased from 135% FPL to 186% FPL.
MSP-Info-Sheet-(NY) to learn more about enrolling in Medicaid or a Medicare Savings Program in New York.
If you meet the income limits above, the Medicare Rights Center can help you apply for an MSP. Call 800-333-4114 for more information or to apply. If your income is close to the limit, it is often worth applying.