Health coverage for the working poor - no gap, no judgment.
If you earn under about $30,000 a year, you may qualify for free Medicaid or an ACA plan with $0 deductibles. Checking takes just minutes - at no cost, ever.
- No credit check, no SSN to start
- Works whether you're employed, jobless, or between gigs
- Bilingual help - English & Spanish
- We never sell your data
You probably qualify if...
Federal Poverty Level - 2024 figures - 138% FPL threshold
Programs & plans we enroll people in every day
Coverage built for the people the system forgets.
If you've been told you "make too much for Medicaid but too little for Marketplace" — that's almost never true anymore. Here's who we help every day.
Working adults under 200% FPL
Cashiers, drivers, caregivers, hourly workers — coverage even if your job doesn't offer it.
See if working adults under 200% fpl qualify →Between jobs or just laid off
Loss-of-coverage triggers a Special Enrollment Period. Same-week activation possible.
See if between jobs or just laid off qualify →Pregnant or new parents
Pregnancy Medicaid covers prenatal, birth, and postpartum — even above normal limits.
See if pregnant or new parents qualify →Chronic condition, no insurance
Diabetes, hypertension, asthma — Medicaid covers prescriptions at $0 to $4.
See if chronic condition, no insurance qualify →Immigrants & mixed-status families
Many lawful immigrants qualify. Children & pregnant people qualify in most states regardless of status.
See if immigrants & mixed-status families qualify →Farm & seasonal workers
H-2A workers, seasonal pickers — bilingual help, weekend hours, no documents needed to start.
See if farm & seasonal workers qualify →Most low-income adults qualify for one of two programs.
We figure out which one fits your household in under 3 minutes — then walk you through enrollment with a real human if you want.
Free Medicaid Expansion
- ✓$0/month premium
- ✓$0 or $4 prescriptions
- ✓Full doctor + ER + hospital
- ✓Dental, vision in most states
ACA Cost-Sharing Reductions
- ✓Plans as low as $0/mo after subsidy
- ✓Deductibles reduced to $0 – $500
- ✓Out-of-pocket cap as low as $3,000
- ✓Same Silver plans, lower bills
No exclusions. No surprise bills.
Both Medicaid and ACA cost-sharing plans cover the 10 essential health benefits required by federal law — including mental health and maternity care.
Costs shown reflect typical Medicaid Expansion plans. ACA CSR Silver plans have slightly higher but still very low cost-sharing.
Three programs, one application.
You don't have to pick — we submit one form and the system routes you to whichever program saves you the most money.
Medicaid Expansion
- ✓Doctor visits
- ✓Hospital stays
- ✓Prescriptions
- ✓Mental health
- ✓Maternity care
CHIP — Kids Coverage
- ✓Pediatrician
- ✓Dental cleanings
- ✓Vision exams
- ✓ER + hospital
- ✓Immunizations
ACA Silver + CSR
- ✓Lower deductibles ($0–$500)
- ✓Out-of-pocket cap $3,000
- ✓Brand-name drugs
- ✓Specialist visits
- ✓Choose any in-network doctor
From zip code to coverage in 4 steps.
No paperwork avalanche. No sales pressure. We do the heavy lifting and you keep control the whole way.
Tell us your zip + income
No SSN, no credit check. We use 2024 federal poverty guidelines to instantly estimate your program.
We match you to the right program
Medicaid, CHIP, ACA cost-sharing — or a combination. We always pick the one with the lowest out-of-pocket cost.
A counselor calls you (optional)
Real human, bilingual, no insurance license needed. They'll walk you through documents and the official application.
Coverage activates
Medicaid is usually retroactive 3 months. ACA coverage starts the 1st of the following month. We follow up to confirm your card arrives.
What checking your eligibility can look like.
"I was earning around $19,500 a year and thought I made too much for Medicaid. Checking my eligibility took just a few minutes and I found out I qualified for a $0 plan."
"I was laid off and worried about losing coverage. Checking helped me see that my new income put me in range for Medicaid, so I applied right away."
"I was pregnant and unsure what I qualified for. A counselor explained pregnancy Medicaid in Spanish and walked me through the application."
These are illustrative examples for informational purposes only, based on common situations we see. First names only are used and details are simplified; they are not testimonials from verified clients and results vary based on individual income, household size, and state.
Free QuoteGet Your Personalized
Coverage Quote
A few quick questions. A licensed Zero Gap Health advisor or one of our marketing partners will reach out with plan options that match your needs.
- Licensed insurance agency in all 50 states
- Compare plans from 50+ carriers in one place
- No SSN required to get a quote
- Free service — no obligation to enroll
- Talk to a real licensed agent, not a robot
Licensed insurance agency in all 50 statesWho are you searching for?
We'll tailor your options based on who needs coverage.
No-BS answers from a navigator, not an insurance salesperson.
If your question isn't here, email us at info@benefitguideapp.com — bilingual, weekends OK, real human.
Zero Gap Health is paid by the federal Marketplace and state Medicaid agencies as a navigator/referral partner. You never pay us a dollar — not to apply, not to talk to a counselor, not for follow-up help. We also don't sell your personal data.
Yes. The vast majority of working people we help have a job. If your household income is under about 138% of the federal poverty level (~$20,120 single / $41,400 family of 4 in 2024), you qualify for free Medicaid in expansion states regardless of employment.
Almost never anymore. The 'coverage gap' was closed in most states through Medicaid Expansion (now in 40 states + DC) and through enhanced ACA subsidies. We'll tell you in 3 minutes whether you fall into a real gap or whether one of the programs covers you.
Not to check eligibility. You'll need one (or proof of lawful presence) to finalize Medicaid enrollment. Many lawful immigrants — green-card holders, refugees, asylees, DACA in some states — also qualify. Children and pregnant people often qualify regardless of status.
Apply today. Pregnancy Medicaid has higher income limits (often 200%+ FPL) and covers prenatal, delivery, postpartum, and the baby's first year. In many states it's retroactive 3 months from your application date. Don't wait.
Yes. Loss of job-based coverage triggers a 60-day Special Enrollment Period. With your reduced income, you almost certainly qualify for Medicaid (immediate) or a $0-premium ACA plan with $0 deductibles. Skip COBRA — it's almost always worse.
Medicaid and CHIP are not considered 'public charge' under current federal rules. ACA subsidies are reconciled on your tax return but rarely create a tax bill if you estimate income honestly. Our counselors can walk you through both.
Medicaid: same-day to 30 days, and often retroactive 3 months for medical bills you've already received. ACA plans: the 1st of the month following your enrollment (or sooner with certain SEPs like loss of coverage).