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State of New York

New York $0 Insulin Cost-Sharing

Zero cost-sharing for a 30-day insulin supply on state-regulated commercial plans — automatic at the pharmacy.

Application requiredCommercial insurance only

What you need to enroll

Application required

Fill out an application — income or residency documents may be needed. Approval typically takes 1–2 weeks. You'll need an active prescription to use the program once you're approved.

Your copay

Free

Eligible patients pay $0. See the eligibility checklist below to confirm you qualify.

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Covered medications

  • Any insulin covered by your plan 30-day supply

Am I eligible?

Need a prescription?
Yes — written by a licensed prescriber for the medications below.
Insurance required?
Commercial insurance only. Medicare, Medicaid, TRICARE, and VA are not eligible.
State restrictions?
Only available in NY.
Income limits?
No income test.

Accepted

  • New York residents on a state-regulated commercial plan
  • Auto-applied — no application required

Not accepted

  • Out-of-state residents
  • Self-funded ERISA employer plans
  • Medicare Part D, Medicaid, federal plans
  • Individual catastrophic high-deductible health plans (excluded by statute)
  • Out-of-network pharmacies (not subject to the prohibition)

How to apply

  1. Present your insurance card at the pharmacy — your insurer cannot charge cost-sharing for insulin if your plan is state-regulated
  2. If billed any amount, call the number on the back of your insurance card to confirm your plan is following NY law
  3. If denied on a state-regulated plan, file a complaint with the New York Department of Financial Services
  4. Medicare patients: use the federal $35/month insulin cap

Using it at the pharmacy

No card needed — the cap applies automatically on NY state-regulated plans. Insurer cannot charge cost-sharing for insulin.

Terms & limits

Fills per year
12 fills per year, per covered drug
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No application required. Self-insured ERISA employer plans are exempt — those are federally regulated.

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