No-cost assistance
We help you find plans at no extra cost to you.
Discover affordable plans tailored to your needs and see if you qualify for subsidies under the Affordable Care Act.
Check Eligibility
Why choose Help for America for your health coverage needs.
We help you find plans at no extra cost to you.
Get enrolled in a plan quickly and easily.
Our team of experts is here to guide you.
All plans comply with the Affordable Care Act.
Access a wide range of doctors and hospitals.
Provide your basic information and ZIP code to see available options in your specific area.
Compare different plan benefits, premiums, and out-of-pocket costs to find the right fit for your budget.
Finalize your enrollment with help from our specialists and secure your health coverage for the year.
The Affordable Care Act (ACA) provides subsidies to help lower-income individuals and families pay for health insurance. We help you navigate these complex rules.
Learn the difference between your monthly payment (premium) and what you pay when you visit the doctor (deductible). We find the balance that works for you.
Complete this short form to see available plans and subsidies.
Yes—our assistance is 100% free for consumers. We’re compensated by insurance carriers, so you never pay a fee for our guidance.
Open Enrollment typically runs once a year (often in the fall). If you qualify for a Special Enrollment Period—like losing coverage, moving, getting married, having a baby, or a change in income—you may be able to enroll outside of the standard window.
A premium is the amount you pay each month to keep your health insurance active. Your premium can change based on plan type, coverage level, and whether you qualify for financial assistance.
Many people qualify for savings based on household size and estimated annual income. Subsidies can lower your monthly premium and, in some cases, reduce out-of-pocket costs. We’ll help you check eligibility and estimate your savings.
It depends on the plan’s provider network. We can help you compare plans and look for options that include your preferred doctors, hospitals, and prescriptions whenever possible.
Most enrollments can be completed in about 10–15 minutes once you have your basic information ready. If extra verification is needed, it may take a bit longer—but we’ll guide you through each step.
Usually you’ll need your ZIP code, date of birth, household size, estimated annual income, and contact details. If you already have coverage, having your plan info and preferred doctors/medications can help us match you faster.
We take privacy seriously and use safeguards designed to protect your information. We only use your details to help you check options and connect you with the right coverage. You can review how we handle data in our Privacy Policy.