Free tools to help you save on healthcare

No signup. No cost. Instant results.

100% Free
No sign-up required
Available in Spanish

Check Your Coverage

Find out if you qualify for free or low-cost health insurance. Medicaid, ACA, Medicare, CHIP, and more. Screened in 2 minutes.

Check My EligibilityTakes about 2 minutes

Analyze Your Hospital Bill

80% of hospital bills have errors. Upload yours and we'll flag overcharges, check for financial assistance, and write a dispute letter. Free.

Check My Bill30 seconds · No signup required

Data sourced fromHealthCare.govMedicare.govMedicaid.govCMS.govBenefits.govSSA.gov

Find answers for your situation

Guides written in plain language, updated for 2026.

Medicare

Turning 65, choosing coverage, and what Medicare pays for.

All Medicare questions

Are you overpaying for Medicare?Check what I might be owed

Health insurance

Under 65: Medicaid, ACA Marketplace plans and CHIP.

All Medicaid and ACA questions

Check what you qualify forCheck my eligibility

Bills & costs

What care costs, and what to do about a bill.

All guides

Check a hospital billCheck my bill

Find benefits in your state

Health coverage options, income limits, and enrollment info — state by state.

2026 reference tables

The figures most programs are built on.

Federal poverty level chartIncome thresholds by household size Medicaid income limits by stateThe limit for your household size, state by state ACA income limits 2026Who gets help paying for a Marketplace plan Medicare eligibility 2026Who qualifies, the parts, and when to enroll

Simple Process

How it works

Three steps, two minutes, no catch.

1
Answer a few questions
Tell us about your household, income, and state. Four short sections, about 2 minutes total.
2
See your results instantly
We check health programs in real time and show you exactly what you likely qualify for.
3
Get free help enrolling
Connect with a licensed agent who speaks your language. No cost to you, ever.

Check My Eligibility

Your privacy is protected

We take the security of your health information seriously.

Shared only with your consent

Your screener answers are only shared with a licensed agent if you ask to be connected. Our free articles carry standard display ads; the screener and your results never do.

Encrypted connection

All data is transmitted over HTTPS. We never collect Social Security numbers, bank information, or medical records.

No account required

Check your eligibility without signing up. Your screener results are not stored unless you request agent help.

Common questions

Is this really free?

Yes, completely. CoveredUSA never charges users. We're funded by licensed insurance agents who pay us only if you choose to connect with them, and only after you enroll.

Do I need to sign up or create an account?

No account, no email, no sign-up required. Answer the questions, see your results. That's it.

What health insurance programs do you check?

We screen for Medicaid, ACA Marketplace plans (including subsidies), Medicare, Medicare Savings Programs, and CHIP for children.

Is CoveredUSA a government website?

No. CoveredUSA is a private company. We are not affiliated with or endorsed by any government agency, including CMS, HHS, or the federal Medicare program.

Will I be pressured to buy something?

No. We show you your eligibility results with no strings attached. If you want help enrolling, we can connect you with a licensed agent, but that's always your choice.

What if I speak Spanish?

Our entire screener is available in Spanish, and we can connect you with Spanish-speaking licensed agents.

Don't leave money on the table.

Millions of Americans qualify for health coverage they don't know about. Find out in 2 minutes — it's free.

Start Free Eligibility Check

No sign-up. No pressure. Just results.