Insurance Questions? We Have Straight Answers.

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).