Find Out If Your Family Qualifies for Free or Low-Cost Coverage
Every household in a family can qualify differently - a parent might land on a $0-premium ACA plan while the kids qualify for CHIP, or the whole family might qualify for Medicaid together. Zero Gap Health sorts through it with you, based on your actual income and household size, so your family gets matched to the right program instead of guessing.
Why Family Members Can Qualify Differently
Medicaid, CHIP, and ACA subsidy eligibility all use different income thresholds, and CHIP's income limits for children are usually higher than Medicaid's limits for adults. That means it's common for parents and children in the same household to end up on different programs - all coordinated through one eligibility check.
Medicaid for Families
In states that expanded Medicaid, parents and other adults with household income up to 138% of the Federal Poverty Level generally qualify, alongside their children. Pregnant household members often qualify at higher income levels than other adults, and coverage can include prenatal, delivery, and postpartum care.
CHIP for Kids
If your income is above the Medicaid limit, your children may still qualify for CHIP, which covers checkups, immunizations, dental, vision, and hospital care for a low or no monthly cost, depending on your state and income.
$0-Premium ACA Plans for the Whole Family
If your household doesn't qualify for Medicaid or CHIP, a family ACA plan with premium tax credits may bring your monthly cost down to $0, or close to it, based on your income and household size. These plans cover the same essential health benefits required of every ACA Marketplace plan.
One Check, the Whole Household
You don't need to check eligibility separately for each family member. Tell us your household size and income once, and we will show you which programs each person in your household is likely to qualify for - at no cost.
Ready to see your options?
Answer a few quick questions and a licensed advisor will email your personalized plan options within one business hour. 100% free, no obligation.