The 2026 public charge rule and long-term health impacts among NYC immigrants: a simulation study

Importance: The 2026 public charge rule could discourage immigrants from accessing health coverage programs, creating a chilling effect that potentially leads to negative health outcomes; However, its long-term health impact is poorly understood. Objective: To model potential impacts of the 2026 public charge rule on primary care and premature mortality among immigrants in New York City (NYC). Design, Setting, and Participants: The simulation used a deterministic compartmental model with Ordinary Differential Equations (ODEs) using 2023 NYC Vital statistics data and American Community Survey, and estimates obtained from 2 previous studies about effects of healthcare access on primary care and Medicaid expansion on premature mortality. Main Outcomes and Measures: Rates of primary care outcomes (access, doctor's visits) in 5 years, and premature mortality in 5 and 20 years, projected by the model under conservative, moderate, and aggressive scenarios of avoidance/disenrollment due to the public charge rule, known as the 'chilling effect'. Effects of the avoidance/disenrollment on primary care outcomes and premature mortality were obtained from 2 previous studies. Projected rates of the outcomes under each scenario were compared with counterfactuals to estimate the health impacts of the chilling effect. Results: Implementation of the public charge rule was projected to decrease the primary care access rate by 4.1% (conservative) to 9.9% (aggressive) over 5 years, relative to the counterfactual scenario without the rule. The rate of doctors' visits was projected to decrease over 5 years by 5.1% (conservative) to 12.2% (aggressive). Premature mortality was projected to increase by 4.4% (conservative) to 10.6% (aggressive) in 5 years and 7.4% (conservative) to 17.4% (aggressive) in 20 years. Legal noncitizens and Black immigrant New Yorkers were predicted to experience higher burdens of premature mortality attributed to the chilling effect, compared with other immigrant groups and racial/ethnic groups, respectively. Conclusions and Relevance: This study demonstrates adverse health consequences of federal public charge rule changes among immigrants in NYC. The model projected a decrease in primary care visits and increase in premature mortality across various scenarios. These findings suggest urgent reconsideration of a regulatory change that disproportionately increases risk of premature mortality among immigrants in NYC.