15 Years Helping People Choose Coverage Confidently
We're an independent agency — not tied to any one carrier — so our advisors recommend what actually fits your life, your family, and your business.
Our StoryWe started Zero Gap Health because health insurance should never be this hard.
In 2010, our founder watched his sister — a self-employed graphic designer in her early 30s — spend three weeks trying to understand her health insurance options after losing her job. Three weeks. Dozens of confusing websites, conflicting information, and zero guidance from people who actually understood the system.
She eventually gave up and went uninsured for eight months. Four months later, she was in the emergency room with appendicitis. The bill was $34,000.
That's the story that built Zero Gap Health. We created this agency because navigating health insurance is genuinely difficult — and it shouldn't require a law degree to understand your options.
What makes us different
Our MissionTo make quality health coverage accessible, understandable, and affordable for every American — individual, family, or business — through honest, expert guidance and a service that costs you nothing.
Our values
Licenses & credentials
Zero Gap Health is licensed to sell health, dental, vision, life, and supplemental insurance in all 50 states. Our agents are appointed with all major carriers including:
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.