ALBANY – New York state has a message to some of the 1.2 million people who receive taxpayer-funded health insurance: no more free riders. The state Department of Civil Service is planning a massive crackdown on what could be thousands of public employees who continue to list former spouses or grown children on their health insurance plans. “There’s no easy way to police that sort of thing,” said David Ernst, a department spokesman. Bids are under review from three auditing firms competing to conduct a yearlong statewide study of people covered under the vast New York State Health Insurance Program. The health plan covers 1.2 million employees, dependents and retirees in state …