HEALR Program Opens: Loan Repayment Support for New York Physicians Serving High-Need Communities
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- Key Point / Outcome: New York State has opened applications for the HEALR Program, a $48.3 million Medicaid workforce initiative offering substantial loan repayment.
- Why It Matters: Student debt continues to influence practice decisions for many New York physicians, particularly those serving high-need populations.
- Impact on Practice: Awardees commit to four years of full-time service in practices or organizations serving at least 30% Medicaid and/or uninsured patients.
- MSSNY Support: MSSNY is amplifying awareness so eligible physicians can take advantage of this state investment in the workforce.
- CTA: Review eligibility and apply at health.ny.gov/HEALRProgram.
For New York physicians balancing patient care, administrative demands, and the lasting weight of student loan debt, financial pressures often shape where and how long physicians are able to practice. These realities are especially acute for those serving Medicaid and uninsured populations—communities that rely heavily on physician commitment and continuity of care.
The New York State Department of Health’s Office of Health Insurance Programs has opened applications for the Healthcare Access Loan Repayment (HEALR) Program, a $48.3 million initiative authorized under the state’s 1115 Demonstration Waiver. The program is designed to attract and retain physicians and other healthcare professionals in high-need roles by offering substantial student loan repayment assistance.
Under HEALR, eligible award amounts include up to $300,000 for psychiatrists, up to $100,000 for primary care physicians and dentists, and up to $50,000 for nurse practitioners and pediatric clinical nurse specialists. In exchange, awardees commit to four years of full-time service while maintaining a qualifying personal practice panel or working at an organization that serves at least 30 percent Medicaid members and/or uninsured individuals. Practices contracted with state-designated Social Care Networks that provide health-related social needs screening and services also qualify.
Physicians may apply individually, or employers approved as service commitment sites may initiate up to five applications on behalf of their staff. Employer applications are due January 31, 2026, and individual applications are due February 15, 2026, with awards announced in late spring 2026. Learn more and apply at health.ny.gov/HEALRProgram
