Health insurance guides

The information we summarize here rests on official, non-commercial sources: Healthcare.gov and the Centers for Medicare & Medicaid Services (CMS) for Marketplace rules, and the Kaiser Family Foundation (KFF) for subsidy and eligibility analysis. When a guide cites a figure, we date it and link it to its source, because the rules and amounts change every year. We never invent price examples: each case depends on your state, your income and your household.

These guides are for anyone who still believes they don't qualify: mixed-status families, self-employed workers, and those who have an ITIN instead of a Social Security number. The ITIN is the number the IRS assigns for filing taxes, and although not every plan requires it, your immigration status does affect which help you qualify for. In each guide we tell you which documents —ITIN, passport or consular ID— work for each step. We also explain when you can enroll: there is an Open Enrollment period at the end of the year and Special Enrollment periods that open when your life changes —a new job, a baby, a move, or the loss of other coverage—. Checking whether your family qualifies for help costs nothing and commits you to nothing; what does get expensive is staying uninsured and facing an emergency with the full bill. That is why we compare the plans available in your state for you and explain, in plain words, what each one covers and what you would pay after the help, so you choose with confidence and not out of fear. Every family's situation is different, and we take the time to look at yours before recommending anything.

Cubierto is a licensed insurance agency: we are not an insurance company and we do not issue policies. We connect you with Marketplace insurers, compare the options for you, and stay with you from enrollment to claim, all over WhatsApp and in your language. Getting a quote is free: Cubierto earns a standard commission from the insurer, at no additional cost to you.