Not Offering Group Coverage Yet? Your Team May Still Qualify for Free Help
Not every small business is ready to offer group health insurance, and that's okay - it doesn't mean you or your employees are without options. Many self-employed owners, part-time staff, and hourly workers already qualify for Medicaid, CHIP, or a $0-premium ACA plan based on their individual income. Zero Gap Health helps you and your team check eligibility, one person at a time, at no cost.
Why Individual Eligibility Still Matters for Small Teams
Medicaid, CHIP, and ACA subsidy eligibility are based on individual and household income - not on whether an employer offers a group plan. That means a part-time employee, a seasonal worker, or a business owner between contracts may already qualify for free or low-cost coverage on their own.
For Business Owners
Self-employed income can fluctuate throughout the year, which affects Medicaid and ACA subsidy eligibility. We help owners estimate their expected annual income so they can see whether they qualify for Medicaid or a $0-premium ACA plan right now, and how that could change if income shifts later in the year.
For Employees Without Employer Coverage
If your business doesn't offer health benefits, your employees can still check their own eligibility for Medicaid, CHIP for their kids, or a subsidized ACA plan. Sharing this resource with your team costs your business nothing and may help staff get coverage faster than waiting on a future group plan.
Checking Eligibility Is Free and Confidential
There is no cost to check eligibility, and each person's information is used only to estimate their own coverage options. This is not a replacement for an official government application - it's a free first step to understand what's likely available before anyone applies.
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.