Health Insurance Information, Counseling and Assistance Program (HIICAP)
Free, unbiased Medicare counseling in New York. Trained counselors go through your costs and choices with you, and they don't sell plans.
Utilities and phone
New York's Home Energy Assistance Program (HEAP) gives one regular heating benefit per season, and an Emergency HEAP benefit if your heat is shut off or you are about to run out of fuel.
Regular HEAP is scheduled to open Nov. 2, 2026 and Emergency HEAP on Jan. 4, 2027, each running until funds run out. Households with someone 60 or older get an extra $35 on the regular benefit.
Applying is free. Nobody should charge you to apply.
Apply on the official site| Gross monthly income limit, one person (2026–27) | $3,563 a month for one person |
|---|---|
| Gross monthly income limit, two people (2026–27) | $4,659 a month for two people |
| Other programs | If you get SNAP, Temporary Assistance or SSI, you may qualify regardless of income |
| Savings limit, regular benefit | No limit |
| Savings limit, Emergency HEAP | Under $3,750 if someone in the home is 60 or older or under 6; under $2,500 otherwise |
| Regular benefit base amounts (2025–26 amounts, the latest posted) | $21 to $900 plus add-ons, depending on how you pay for heat and your fuel: $400 for electric or gas, $635 for wood or coal, $900 for oil, kerosene or propane |
|---|---|
| Extra for older adults | $35 more if the household includes someone 60 or older, under 6, or permanently disabled; $61 more for the lowest income tier |
| Emergency HEAP (2025–26 amounts) | $185 to $900, depending on the emergency and fuel, if your heat or the electricity that runs it is shut off or scheduled to be, or you have less than a quarter tank of oil, kerosene or propane |
| Regular HEAP opening (2026–27) | Scheduled to open Nov. 2, 2026, and runs into the winter until funds run out |
|---|---|
| Emergency HEAP opening (2026–27) | Scheduled to open Jan. 4, 2027 |
Where New York's rules differ from the federal rules for LIHEAP heating and cooling help.
Free help
Free, unbiased Medicare counseling in New York. Trained counselors go through your costs and choices with you, and they don't sell plans.
Your local Area Agency on Aging can help with meals, rides, help at home, caregiver support and applying for benefits.
Newsletter
Benefit figures, deadlines and rules change every year. We'll tell you what changed and what to check, about twice a month.