Health coverage for the working poor — no gap, no judgment.
If you earn under about $30,000 a year, you almost certainly qualify for free Medicaid or an ACA plan with $0 deductibles. We help you enroll in 12 minutes — at no cost, ever.
- No credit check, no SSN to start
- Works whether you're employed, jobless, or between gigs
- Bilingual help — English & Español
- 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.
Coverage stories from the working poor.
"I was a Walmart cashier earning $19,500 and I thought I made too much for Medicaid. Zero Gap Health found me a $0 plan in 11 minutes. My insulin went from $340 to $0."
"Got laid off from my construction job in March. Had a heart scare in May. Without their help I'd be bankrupt — instead Medicaid covered the entire $42K bill."
"Pregnant, undocumented spouse, very scared. They explained pregnancy Medicaid in Spanish and helped me apply. My daughter was born with full coverage."
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, text us at 1-855-720-0800 — 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).