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

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

Enter Details

Provide your basic information and ZIP code to see available options in your specific area.
2

Review Plans

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

Check Your Options

Complete this short form to see available plans and subsidies.

Full Name

Email Address

ZIP Code

Phone Number

Help for America

I consent to receive non marketing text messages and phone calls from Help for America regarding updates related to my request for information about government benefits, eligibility verification, application assistance, account updates, and service notifications. By checking this box and providing my phone number, I provide my electronic signature and give my express written consent for Help for America to contact me at the number provided, including a wireless number, by SMS text messages, phone calls, and voicemail, including through the use of automated dialing systems and prerecorded, artificial, or AI generated voice. Message frequency varies. Message and data rates may apply. I can opt out at any time by replying STOP. For help reply HELP or email hello@helpforamerica.org. I confirm that I am the subscriber or customary user of the phone number provided or that I am authorized by the subscriber to provide this consent. Consent is not required to purchase any goods or services. Carrier delivery is not guaranteed and carriers are not liable for delayed or undelivered messages.

I consent to receive marketing and promotional text messages and phone calls from Help for America regarding programs, services, benefits, and opportunities that may be relevant to me based on the information I submitted. By checking this box and providing my phone number, I provide my electronic signature and give my express written consent for Help for America to contact me at the number provided, including a wireless number, by SMS text messages, phone calls, and voicemail, including through the use of automated dialing systems and prerecorded, artificial, or AI generated voice. Message frequency varies. Message and data rates may apply. I can opt out at any time by replying STOP. For help reply HELP or email hello@helpforamerica.org. I confirm that I am the subscriber or customary user of the phone number provided or that I am authorized by the subscriber to provide this consent. Consent is not required to purchase any goods or services. Carrier delivery is not guaranteed and carriers are not liable for delayed or undelivered messages.

By submitting this form I also agree to the Help for America Terms and Conditions and acknowledge the Help for America Privacy Policy.

Terms: https://helpforamerica.org/aca/terms-and-conditions/
Privacy: https://helpforamerica.org/aca/privacy-policy/

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.