Find health coverage options in minutes

Discover affordable plans tailored to your needs and see if you qualify for subsidies under the Affordable Care Act.

Check Eligibility
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Our Benefits

Why choose Help for America for your health coverage needs.

No-cost assistance

We help you find plans at no extra cost to you.

Fast enrollment

Get enrolled in a plan quickly and easily.

Expert support

Our team of experts is here to guide you.

ACA compliance

All plans comply with the Affordable Care Act.

Wide network access

Access a wide range of doctors and hospitals.

How It Works

  1. 1

    Enter Details

    Provide your basic information and ZIP code to see available options in your specific area.

  2. 2

    Review Plans

    Compare different plan benefits, premiums, and out-of-pocket costs to find the right fit for your budget.

  3. 3

    Get Covered

    Finalize your enrollment with help from our specialists and secure your health coverage for the year.

What we can help with

Understanding the ACA

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.

Premiums vs. Deductibles

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.

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Check Your Options

Complete this short form to see available plans and subsidies.

By entering my phone number and submitting this form, I provide my electronic signature and give my express consent to Help for America to contact me at the number provided, including my wireless number, using any of the following methods: SMS text messages, phone calls, and voicemail messages, including through automated dialing technology, an automatic telephone dialing system, and prerecorded, artificial, or AI generated voice. I understand Help for America may contact me for marketing, informational, and service related purposes, including to follow up on my request, verify information, provide updates, and help connect me with relevant services. I understand that communications may be delivered using automated technology and AI assisted systems, including conversational AI, transcription, and automated decisioning, and that my calls or texts with Help for America may be monitored, recorded, transcribed, or analyzed for quality assurance, compliance, fraud prevention, and customer support. Message frequency varies. Message and data rates may apply. I can opt out of text messages at any time by replying STOP. For help, reply HELP or email hello@helpforamerica.org. Consent is not a condition of purchase. I may request not to receive calls or texts at any time. I confirm I am the subscriber or customary user of the phone number provided, or I am authorized by the subscriber to provide this consent. I understand that carrier delivery is not guaranteed and that standard carrier rules may apply. By submitting, I also agree to the Help for America Terms and Conditions and acknowledge the Help for America Privacy Policy, including how my information is collected, used, shared, and retained.

Frequently Asked Questions

Is this service free to use?

Yes—our assistance is 100% free for consumers. We’re compensated by insurance carriers, so you never pay a fee for our guidance.

When is open enrollment?

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.

What is a premium?

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.

Do I qualify for a subsidy?

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.

Can I keep my current doctor?

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.

How long does enrollment take?

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.

What information do I need to apply?

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.

Is my data secure?

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.